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Erase Negative Credit
By Jayme Hanson
If you want to erase negative credit
and thought it was too difficult, well you're not alone. Thousands of people spend millions of dollars each year on credit repair services or agencies who promise to erase negative credit.
The truth is that you can erase negative credit
off your credit report with a little time and very little money. You don't need to pay someone to help clean up your report. If fixing your credit report is not something you want to tackle, there are some excellent nonprofit organizations that can help you at no cost.
You can request a free copy of your credit report from annualcreditreport.com once per calendar year. Once you receive your report, look through it and write down every negative item you want to dispute. Sometimes your credit report will contain outdated information or mistakes.
Write a short, concise letter to the credit bureaus disputing the specific items you fill are in error. Include copies of any proof supporting
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your position in the dispute. Once the credit reporting agency investigates, they will either be unable to verify and remove the negative credit mark. Or, they will verify the item, which means the negative mark will remain on your credit report.
If you still dispute the item, send a follow-up letter requesting how they came to that conclusion, also known as method of verification or procedural request. Remember, the credit reporting agency and your creditor are both legally responsible for providing proof. If they cannot, they must remove the negative credit from your report.
One way to erase negative credit
, is to build positive credit. You can add positive credit by obtaining a secured credit card, gas or department store card or getting a small installment loan and then paying them on time. If you have a credit card balance, pay down your current credit card balance to 30 percent of your available credit. This will add positive credit to your score.
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