Why Dispute Negative Entries

Disputing negative credit entries with the credit reporting bureaus can be a highly effective way to restore your credit history. Below are 5 reasons to challenge a negative credit report item.

Here are 5 possible things you might include in your dispute letter:

  1. Negative Item is Not Yours
  2. Status is Wrong (e.g. you paid the account on-time every month)
  3. Item is Out-of-Date (more than 7 years old)
  4. Account Balance is Wrong
  5. Inaccurate Account Comments (e.g. charged-off, settled, etc.)

Deleting negative credit report items such as collection agencies, charge offs, and other derogatory marks is the best way to restore your credit history. Become a member (it’s free, just sign up below) and get access to letters that you can use for disputing items in your credit report.

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