You must dispute the questionable negative items with Equifax, Trans-Union and Experian. Disputes should be mailed direct to the 3 major credit bureaus and likely will not fix all of the problems right away but may help improve the credit reports over time, with some persistence. The process often must be repeated several times and even then, there is no guarantee that the credit bureaus will delete the items you disputed no matter what you do.
You can take it to a creditor level by demanding validation or even take it to a Federal Level by filing complaints with the FTC and State Attorney General.
If you are looking for a top rated credit improvement service, give me a call or visit my website
http://www.CreditAgenda.com for more information. I have deleted every type of negative item under the sun many times over including bankruptcies, judgments, collection accounts, student loans, bad debt, inquiries, conflicting personal information, identity theft, mixed credit files, inaccuracies and outdated information.
Here are some recent examples of actual deletions from Experian, TransUnion and Equifax:
http://creditagenda.com/results.html NOTICE THE DATES!!
As of today's date, what you are seeing is a cross section of actual client results. Of course we blurred the personal information to protect the privacy of my clients, but you can obviously see that we are capable of erasing bad credit. The results are not consistently perfect, because there is no exact science to this. Everyone has different credit problems and the credit bureaus are extremely difficult to deal with (especially as a consumer trying to repair your credit on your own) but it is possible if you don't give up, like us.
To sign up, visit
http://www.CreditAgenda.com or
http://www.CreditServiceAgreement.com.
Who says you can't erase bad credit? I can.
Here is some more information about me:
http://www.seflorida.bbb.org/Business-R ... c-26002487 Better Business Bureau Report
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