The Dispute Process for Your Credit Report      If you have poor credit one of the first things that you should do is look for any inaccuracies.  When you look for inaccuracies you should make sure to highlight them and then follow a very simple dispute process. This dispute process is not something that will be complete over night, but it will work it you have patience and go about it all in the right way.  The process of disputing something that appears on your credit report is a four prong approach:      I.The first thing you need to do is make a list of all of the derogatory entries that you find in your credit report that you do not think you are responsible for such as inaccuracies or debt that does not even apply to you.      II.Write a letter to each of the credit bureaus and fill out a dispute form.  You should fill out no more than three disputes for each bureau at a time.      III.Send your first correspondence to the credit bureaus by mail including your credit report, the dispute form, and a letter.  After 35 days send another letter via certified mail demanding a response.      IV.Keep a record of all of your correspondence with the bureaus, even those that state they have received the letters that you sent.      When you send the disputes in, make sure that you remember to include a letter as well as your credit report.  Also, don't buy into the fact that you cannot have items removed from your credit report.  You can in fact have inaccurate information removed from your credit report, in fact all information has to be verified within 30 days or it has to be removed from the credit report altogether.      You may find that when you look up your credit report that it says that no information can be removed from your credit report, but don't buy into this.  You can in fact dispute the information on your credit report.  In fact, it is your credit report so you have every right to do so.  If you see something that is incorrect or inaccurate in any way you should by all means dispute it.

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Disclaimer: This site provides general guidance and information. It is not intended as, nor should it be taken  to be, legal, financial or other professional advice for your situation. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.