Obviously, you ' re going to need an accurate copy of your credit report so you know precisely what ' s been listed and by which company. This will give you a clear idea of any credit enquiries that you didn ' t make or any listings that shouldn ' t be there.
When you send your credit report dispute letter to a lending company or collection agency to dispute a listing they are legally required to respond to your request within 30 days. If the information is wrong, it should be removed from your report.
Don ' t mistake this action for removing real negative information. If the items on your credit report are genuine then they can ' t be removed legally at all.
Just because they can ' t be removed doesn ' t mean you can ' t request an investigation into every single item listed on your credit report. You ' re not charged for writing a credit repair letter asking for an investigation. The fun part about inquiring into every item is that if the credit bureaus can ' t verify an item it should be removed.
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