Thread: Credit Repair 101: How to dispute an item on your credit report legally

PrivacyRights.org - Sample Dispute Letter to Credit Reporting Agencies

FTC.gov - How to Dispute Credit Report errors + Sample Dispute Letter

Highlights:

1. Tell the consumer reporting company, in writing, what information you think is inaccurate.
2. Tell the creditor or other information provider, in writing, that you dispute an item.
3. When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.

The link above to the FTC's website has some pretty good, basic information about how to send a dispute letter to both credit bureaus and creditors. If you are new to credit repair (even if you are going to hire a professional), it is worth a quick look.

wow..thanks for this...it does help!

Thanks for the info magic. I believe that all mistakes should be taken up with the lenders first of all, as it is them that feed information to the credit reference agencies. If you find that you're not getting the right response you should definitely contact the credit reference agencies.