You have the legal right to challenge anything you would like to question on your report.
In the upcoming chapter, we will begin disputing actual trade line items that could be considered inaccurate, obsolete, outdated, incomplete, or unverifiable. Be sure you have written down the account name and account number from your credit report for all items you would like to challenge for removal. This can include Judgements, Collections, Evictions, Repossessions, Bankruptcies, Late Payments, Credit Card Information, etc.
IMPORTANT TO REMEMBER:
Easy-to-follow step-by-step courses are available through our member site in the event the book method for challenging items does not work for you. The letters are editable and printable, and video lessons will walk you through dealing with specific problems. This book has techniques for challenging questionable items. Many readers have asked if we would recommend calling or faxing to challenge items — in short, the answer is no. In our years of experience, the most effective method is to send certified mail to the creditors and/or credit bureaus. This does a lot of things that will help you while starting a task. It creates a paper trail. It promotes human connection rather than a 2-digit code filtered by software known as e-oscar. Some online disputes even include a disclaimer that waives your right to challenge an item again if the response is adverse.
Many also ask about doing online disputes offered through Credit Karma and other online credit report sites. It allows the bureaus and creditors to communicate about the issue through software. It is not as effective as formal investigations issued using certified mail.
