Credit Repair - Getting Negative Items Deleted (step 2)

So you finished the first step and now you’re wondering what to do next(if you didn’t you might want to go back and read Credit Repair - What you need to know). Well let’s recap what we learned in step one. We learned the break down of what credit is how it is calculated and what factors can help your overall credit score. Now it’s time to dig a little deeper.

Sense your credit score consists of many different components you need to start small and work your way up. Start with the basic components first and try to fix little things at a time. The first thing to do is pull out your credit report that you should have pulled during step one (if you still need to get your credit report Get Equifax Credit Score Now!
). Now in step one you should have circled all of the negative information on your credit report, if you did not please do so now. All of the negative should include late payments, inquiries, high balance credit cards, collections, bankruptcies, judgments, and tax liens. Believe it or not these negative items can be deleted from your credit report.

BUT, before I go any further you need to ask yourself one question. Do I want to do ALL this work myself? If the answer is yes then go ahead and continue down this page, but if the answer is no here is a list of places that will fix your credit for a fee. Make sure to check all of them out because they all offer different things for different prices.

Ok, so you answered yes, you want to do this on your own. It can be done so don’t worry, I fixed my credit in 3 months and was able to buy my first home! The first thing you need to do to get negative items removed from your credit report is write a letter to the credit bureaus. These companies are Equifax, Experian, and Transunion. These are the three primary credit reporting agencies and the places that most lenders look at in order to determine your credit eligibility. By now you should have your credit report out and all the negative items circled. You also should have checked your credit report for any and all errors, ranging from your name and address down to the account history on your credit accounts.

Below is an example letter of how to get things removed:


Your Name Here
Your Address Here


To Whom It May Concern,

After carefully reviewing my credit report I have found several inconsistencies. The following items are not my credit accounts and are effecting me negatively.

List all the accounts include the creditor name, the account number, and date opened. (even if they negative accounts are yours you still need to write that they are in error on your credit report)

After you list all of the negative accounts continue your letter as follows:

The above accounts need to be deleted from my credit report as they are not my credit accounts. I have tried to contact the individual creditors and have been unsuccessful at getting these items removed. Please send an updated credit report with any changes that occur.

Thank You,

Your Name
Your Social Security Number
You’re probably asking yourself HOW and WHY this letter will work for you. The Fair Credit Reporting Act allows us to challenge anything on our credit report. Here is the beautiful thing about that, you can challenge ANYTHING. If you send a request to the credit reporting agencies with a dispute they legally have 30 days from receiving your request to research it and get back to you. The credit reporting agencies will send letters out to all of the creditors that you are disputing and request that they verify that the accounts are yours. If they fail to respond with in the 30 days or they cannot prove 100% that the accounts are yours then your accounts must be deleted from your credit report. You can even get collection accounts and bankruptcies deleted! I went through this same process and after three months I managed to get a total of $5000 deleted from my credit report. If your accounts don’t get deleted the first time you write a letter you can keep sending a revised letter with the remaining accounts every month until you are fully satisfied that your negatives were deleted. The best time to send these letters is during the holidays. When creditors are busy during the holiday times they are less likely to respond within the 30 day deadline, therefore your accounts get deleted!

Feel free to leave questions or comments at the end of this post I would gladly help out with anyone wanting credit repair.

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