For you to remove bad credit items from your credit history you must dispute the credit bureaus. You have two ways to do this.

1. Craft a dispute letter

You must write a dispute letter. In this letter you have to identify the listing you want removed and give a reason why the listing is inaccurate.

Reasons often include; account paid in full, item is out of date, information is wrong and etcetera. You will need to send this letter to every credit bureau.

2. Hire a professional credit repair service.

Using this method the service will create a dispute letter on your behalf and send it to the bureaus. These services have advanced techniques to remove negative credit such as; debt validation, creditor direct intervention, and escalated dispute information requests.

I would suggest hiring a company if you have multiple negative listings on your credit history. However if you only have one or two negative listings you can remove them yourself.

Upon receipt of your “valid” dispute letter the bureaus will hold an investigation. If the negative mark can not be verified then the bureaus must remove it from your credit history.

Be aware that it is common for bureaus to use stall tactics to avoid conducting investigations. This is because it costs the credit bureaus potential profits to conduct an investigation.

The Fair Credit Reporting Act says the bureaus must investigate a disputed listing and if it is found unverifiable it must be removed from your report. The difficulty is getting the bureaus to find you dispute letter valid.

If you are experiencing trouble with this I recommend hiring a professional. However you can get the bureaus to deem you letter valid with some persistence.

Often an investigation will result in the negative listing being removed. This is a result of lenders being unwilling to spend the time and money verifying debts.

Which ever method you choose negative credit can be removed from your credit report. You do not have to wait the full seven years.

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