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You have taken the first steps, you’ve looked through your credit report, and you have concluded that there is a mistake on there that should not even exist. But what do you do from here on? How do you get that annoying mishap out of your credit report?

It is a rather long process, but it can be done. It has been done by many people, and you can do it alone or you can have the aid of credit repair services.

However, doing it yourself only costs you the effort, while doing it with a credit repair service will cost money, though many people believe that repair service employees know what they are doing much better than themselves. Either way, you want to get that nasty little detail off your credit report, and you want to get it off soon.

Write the Letter

The first thing you should do is write a dispute letter to the credit reporting agencies, or the credit bureaus, pointing out the problem on your credit report, asking them to eliminate this mistake, and telling them why. This first step will allow you to get your problem out on the table so that they can acknowledge that there is something wrong. There are several guidelines you can follow to ensure that your letter states clearly what the problem is, and how you would like it fixed, which guidelines you can find online or through the credit repair services that you are using.

In your letter you should include every one of the negative listings on your credit report that you feel should be taken off. This is so that you can get all of the possible errors investigated in a single act, rather than dragging the process out by disputing them one by one.

You must show all of these negative listings clearly, stating what lender was involved in this mistake, like perhaps a certain credit card company, and the amount of money which was involved, like the amount written on the bill that you paid late. These will help to specify each problem, allowing the investigation to go more quickly since you provide the information, rather than having the credit reporting agency try to find it.

What you should also include in your letter is your personal information. You need to write things like your name, social security number, driver’s license information, mailing address, etc. You also need to include, under each complaint against your negative listings, tell what you are disputing. For example, most complaints against negative reports are complaints against the accuracy of the listing, so instead of letting them guess, you need to state that in your dispute letter.

Wait

Next, wait and give a little time for the investigation to take place. It’s not a matter of whether or not they will do it. They are required by law to investigate your disputes. If it takes longer than usual, you may want to write another letter, but don’t nag them, because yours is only one of hundreds of complaints every day, so this may take time.