Often to improve your credit, you will find yourself forced to dispute incorrect negative credit events with credit card, collection agencies or the credit card bureaus.
1. Obtain and then review the credit report.
2. Conduct an analysis of the report; look for any incorrect events.
3. List out all debatable and negative errors identifying matters of dispute with explanations
4. Send a letter of dispute for each error to the bureaus.
5. Mail these letters to the bureaus by registered mail so that you have a record. Mail one letter for each dispute.
6. Keep records organized.
7. The bureaus investigate the claims you have sent in dispute letters and send you a reply.
8. Analyze letter you receive and the responses of the bureaus.
9. If it is not satisfactorily replied repeat your letters in continuation.
10. Despite following all guidelines for disputing, you will be unable to remove legitimate events like bankruptcy, child support liens or court judgements. In these cases, to improve your credit, you will have to continue to make payments on time and follow other guidelines for a healthy credit score so that you will be in the best possible credit-shape you can be until those negative events are removed from your credit report after ten years.
