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during this time.  
Analyzing And Disputing - The Repair Process 
Disputing information on your credit report... 
This method is for direct correspondence with the credit 
bureau. If you find anything inaccurate, incomplete, 
incorrect, or obsolete, you have the right to dispute that 
item on your credit report.  
The credit bureau then has a reasonable time to contact the 
creditor and have them verify the disputed item. A 
reasonable amount of time under the Federal Law has been 
construed to be 20 working days. However, you need to 
understand that with this type of transaction, it could take 
from four to eight weeks to receive your reply back. 
Technically, if the credit bureau does not respond back 
within 30 days, the incorrect or inaccurate item must be 
removed. If, after the credit bureau investigates the item 
and the information is found to be inaccurate or no longer 
can be verified, the credit bureau must delete the item in 
question.  
It should be noted that when a negative item is more than 
two or three years old, many creditors will not respond to 
the credit bureau because of lack of records. Therefore, by 
law, the bureau should remove the item from your report. 
Since most creditors do not have the space to retain records 
for a long period of time, there may not be any 
documentation about your payment history.  
Understand also that the creditor does not have to provide 
documentation to the bureau of the disputed item. They 
simply check various boxes on the statement as to whether 
you were late, paid on time, etc.  
Steps to Dispute 
Get your credit report.
Review your credit report.
Decide which items you want to dispute.
Write letters.
Always hand write your letters in your own handwriting.
Keep copies of all correspondence.
Keep separate file copies on each credit bureau.
Follow up if needed.
Obtain results.
Make sure that when you dispute items on your credit report 
you do not dispute more than three items at a time. Get 
those corrected before you dispute three more. Persistence 
and patience are what you need to get the job finished. Just 
remember that it usually takes years to get incorrect or 
inaccurate information ON your credit report. Therefore, 
your credit report will sometimes take many months to 
completely clean up.  
It is important that you keep copies of all correspondence 
going to and from the credit bureaus. Also keep separate 
folders for each credit bureau. That will mean three folders 
if you are disputing information on each credit bureau. 
(Example: Type your label to say: Esperian (TRW) 
Correspondence; Equifax Correspondence, and TransUnion 
Correspondence.)  
If you do not receive a letter back within 3 to 5 weeks, 
send a follow-up letter along with all previous information. 
Credit bureaus are required to send you the results along 
with an updated credit report.  
Areas of Dispute 
Account Paid as Agreed - After reviewing my credit report, I 
found where "Account name" and "Account Number" was paid in 
full and as agreed. Your rating is inaccurate. Please change 
this information immediately to reflect the current status. 
 
Charge Offs - I paid "Acctount Name and Account Number" as 
agreed. You show this as a charge off, which cannot possibly 
be correct. Please correct the way you are reporting this. 
(Charge offs are an amount the department store has written 
off as a bad debt. It is then listed on the report as a 
charge off).  
Not Mine - I do not recognize this account, nor have I ever 
been associated with them. "Account Name and Account Number" 
needs your complete attention. Please conduct your 
investigation and remove this from my file. Use this 
sparingly and only if all else fails. The creditor DOES NOT 
have to investigate further after locating your information 
(specific dates, amounts, etc...) They simply have to find 
your SS#, DOB, Etc...) 
Late Payments - I was never late paying "Account Name and 
Account Number". I have always paid this account as agreed 
and on time. Please update your information. 
Collections - This cannot be accurate. I have never had any 
of my accounts go into collection. Please review and remove 
from my file. 
Judgements - I have never had a judgment against me, and you 
show I have two of them Case # and Case #. Please review and 
remove from my file. 
Tax Liens - This is not mine. I was not aware of this until 
I received a copy of my credit report. Please review and 
remove. 
Bankruptcy - This is not my bankruptcy. I have never filed 
bankruptcy. Please review and remove. The bankruptcy listing 
is not correct. Please remove. (Note that the dollar amount 
or date may be incorrect. Make the credit bureau verify the 
amounts. They may or may not be able to verify the amounts 
or the date). I want all items that are included in may 
bankruptcy removed from my file, which I have marked. I have 
included a copy of the itemized list of creditors included 
in my bankruptcy for you to compare. Thank you. 
The credit bureaus have been known to leave the item on the 
credit report, but to flag the items covered under the 
bankruptcy. An example would be: Sears $100.00 (BK). They 
also have been known to delete the item altogether. The 
bureaus have not been consistent with this method, however 
most credit bureaus will tell you that it will stay on the 
report with the (BK) notation.  
Creditor Disputes 
Disputing Information Directly With The Creditor 
This method is somewhat like writing letters to the Credit 
Bureaus, however, the difference is that the dispute letters 
are sent directly to the creditor. One thing to remember is 
that the department stores, banks, etc. have the power to 
take anything off a credit report that they have placed on a 
credit report.  
A number of things must be included in the creditor letter. 
Please give the store your account number. State exactly 
what the problem on your credit report is, and why it should 
be removed. Ask the creditor to verify the amounts. Demand 
that they correct or remove the incorrect item.  
Unlike the dispute letter method, this type of letter can be 
typed out rather than written.  
If you feel that you are correct and cannot seem to get 
anywhere, ask to talk to a higher supervisor. The higher the 
supervisor, the more in tune they are to profits; stores