How do I challenge incorrect credit reports on my credit history?
106354
get a copy of all 3 credit reports.  just disputing on one wont fix the problem.  Write them a letter stating inaccuracies or use the online reporting thru their website. they by law have I think it's a couple of weeks to verify the debt/bad debt is valid or they MUST remove it from your credit bureau.  In the mean time they should mark it "in dispute" on your credit bureau if youre trying to buy a car or something in the mean time.  they might take that into consideration or maybe not.  sometimes you can go straight to that co and dispute and they can update the inaccuracy to the cbr immediately.
1107269
I would check your credit report.  I would put a fraud alert on your credit report.  What that does is, if anything is opened under your name, the credit bureau's contact you first.
1693
You must have a copy of your credit report from the company that pulled it - i.e., Equifax, FICO or Experian in order to file a dispute.  I personally go through Equifax when I have problems such as these.  On the credit report, they have a number (they don't publish on their website) for you to call if you would like to dispute something you're seeing.  You can also make a dispute online on their website at:\nhttps://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute\n\nYou may be able to get the Equifax folks to transfer you (if you don't have the credit report in hand) to the appropriate number, but this is their Fraud On My Credit Report number: 1-888-766-0008.\n\nI hope this helps!  \n\nGood luck!
160099
go to the credit companies website and dispute the information.  I did it cause it had my dad as my spouse cause he co signed my first credit card.  After a few weeks they sent me something showing it was fixed
924525
Send a validation demand: \n\nhttp://www.expert-credit-advice.com/Letters/Letter17.htm
852120
The only thing that can repair your credit is time and current payments. If there is misinformation on your reports you can dispute it and see if the reporting agency will remove it.
225376
Cleaning up your credit report will involve several steps.  I've enclosed a link that will show you what to  do, and some sample letter templates.\n\nIn a nutshell....\n\nGo to www.annualcreditreport.com and get a copy of your credit reports.\n\nExamine the report for errors.\n\nSend a letter to each of the credit bureaus and report any errors or disputes.  They have 30 days to investigate and report back to you.\n\nIf the item on the report stays, you need to contact the creditor, demand that the VALIDATE the debt.  They have 30 days to send you copies of bills, receipts, contracts, and anything used to calculate what you owe them.\n\nIf they do not respond in 30 days, send a copy of the Validation Request letter and another demand to the credit bureau, and demand that the report be removed.  \n\nYou are about to go to war...you need to arm yourself.  Read up on the Fair Credit Reporting Act (do a search on the net).  \n\nJust remember, true and accurate information will not be removed from your report, no matter how loud you complain.
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
358784
Yes, there are ways to remove some of the bad entries in your report.  If you want to go to battle, read the links I've supplied below.\n\nDo not waste a dime going to any of those credit repair places.  They will charge you a lot of money to do the exact same things you can do yourself, and they will be just as successfull.  \n\nHere is a real quick rundown on what to do....\n\nGet your credit report (for free) from www.annualcreditreports.com.  Study them carefully for any errors and negative reports.\n\nKeep a carefull log of any calls you make, who you talked to, and any letters you write.  Be sure they are sent by certified mail.\n\nExamine your report for any debts that have run over the Statute of Limitations.  Also carefully note the reporting dates of each item.  According to the Fair Credit Reporting Act, they can NOT be listed if they are older the 7 years BEGINNING ON THE DATE OF DEFAULT!  Creditors and collection agencies are good at moving up this date, or even reinserting it after it has expired.  Verify this date with your own records if you have them.\n\nSend a letter to the credit reporting agency (CRA) and protest any negative information.  The CRA will then "verify" the debt with the creditors.  That means that all the creditor has to do is respond back within 30 days and say the report is accurate.  They don't have to prove anything or supply any paperwork.  If they don't respond within 30 days, the CRA must REMOVE the entry.  This works great with some older debts.\n\nIf the debt gets "verified" (you get a letter from the CRA), then write the creditor a "Demand for Validationn" letter.  (See the link below).  Validation mean they must supply you with contracts, bills, receipts, and everything that was used to calculate your debt.  This,again, is in accordance to the Fair Credit Reporting Act.  \n\nIf they send you this information, and it is complete and accurate, you have hit a brick wall and there is no good way to remove the entry, unless you can sweet talk the creditor into removing it on their own.  Not likely.\n\nIf you do not hear from them in 30 days, send a copy of your validation letter, plus another demand to the CRA to remove the entry due to lack of validation.  \n\nIf they still will not remove, you have grounds to sue both parties in court.  \n\nAnd yes, Mr. Collection Agent, this is a fact. I'm doing that very same thing right now.  Funny how responsive creditos are they THEY are the ones getting sued.\n\nYou are about to go to war.  Knowledge of the law is your only weapon.  Don't fight these guys unarmed!
29216
get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought.  And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps
217613
At the end of your credit report is a list of phone numbers that reflect who has liens against your credit.  You are going to need to call the people that have this against your credit and have them fax you a letter saying this has been cleared so you have it for your records.  Then they will put through again that it has been cleared to the reporting agency, which will typically take 60 days.  I would also fax the letter they send you directly to the credit agency.
975028
Please ignore the above answers.  Another batch of people who guess at answers and won't take a moment to do some research.\n\nHere is your problem.  Protesting to the credit bureau does no good.  All they are required to do is check with the court and verify that there is a judgement on record (and there will be).  They will also check the status.  If it shows that it's not been satisfied, your credit history stays uncorrected.  \n\nYour job is to get this information corrected with the court, but it's going to require action by the creditor to do it.  And as you say, your creditor is being a jerk.\n\nYou need to do some simple research of your state laws.  Going to the court and asking the clerk's will not help because they are barred from giving you legal advice.\n\nLets take Michigan for example (see the law below).  The creditor is REQUIRED to report the discharge of the debt, or face contempt action by the court.  As you can see, in Michigan you simply send the creditor a certified letter demanding that they fix it.  If they don't you can sue them for $300 plus damages.  \n\nDo your research.  Maybe a local attorney will spend 5 minutes on the phone and tell you the local laws.  But I will guarantee you that every state has court rules that require the creditor to properly discharge their debts.
1127393
Check you credit report\n\nget a free on on www.annualcreditreport.com
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!
491556
Call your card company or bank and dispute the charges immediately, let them know the situation, they will take care of it. Also, contact the company that is making the charges and file a complaint with customer service. Finally, make sure to keep tabs on your credit report to make sure that they do not report you because you refused to pay the fraudulent charges. If it is reported to the credit reporting agencies, make sure you dispute it and send them documentation from your credit card company that you disputed the charges on your card and tried to resolve the situation. That way it will not affect your credit rating, and if it does you have proof that you took steps to close the account and collect the fraudulent charges months before. Be careful because the company could attempt to report you at any time in the next seven years.
185128
check your credit report and dispute whatever you can on it.  if credit companies cant prove you owe this amount or if the report is past 7 years, then they have to remove it.  experian is the easiest to dispute online...i wiped out 13/24 debts from my report just by challenging them online within 6 weeks!!  it'll take some time and a bit of effort, but not as hard as i thought, and definately worth it!
728380
GO TO ANNUALCREDITREPORT.COM. This is the website that gives you one free credit report each year from Experian, Equifax, and Trans Union. This is the result of legislation recently passed. On that site, you have the option to dispute anything on the report. It is the Collection Agency's job to prove you owe the debt not your job to prove you don't. These people can be SOB's. Try that to dispute it. I hope it works for you. You want to check your credit anyway. You could be the victim of identy theft and this is just the start of it. You need to check it out. Good Luck