Debt-Specialist:

How to properly dispute negative accounts. You can have negative items such as late payments, collections, and change- offs deleted from your credit report by following these five simple, straightforward steps. Step- one order your credit report from the credit bureaus by mail.

To challenge a credit report from the credit bureaus by mail you have to challenge the credit bureau regarding the information posted; you must first order your credit report because you need to reference and work off of that report. You could not work off a credit report if you received from your Loan officer or a different website. You must order from the credit bureaus themselves. This is easy to do, and you are entitled to one free- report per year from each of the three bureaus, thanks to a law enacted December 4, 2003, by President Bush.

Using the online credit dispute system is like shooting yourself in the foot. Even though it’s more convenient, you must not order your report on the internet. Don’t make the mistake of doing it the lazy way! Do you think the bureaus set up online disputing for your advantage or their own? Order by mail, receive by mail, and dispute by mail. If you already made the mistake of getting your credit report online, ignore it, pretend like it never happened, and order correctly by mail. Do not respond to or correspond with credit bureaus via email. Important.

Important Point: Online disputing is ineffective your credit it puts serious limitations on your rights, with limited statutes. Most people don’t realize that when they proceed with the online system, they have accepted those –terms and conditions, because who reads through it all? By using their website, you are waiving important consumer rights.