Frequently life throws us all a curve ball from time to time. Such as a sickness in the family, getting laid off from a job, or simply not being able to provide properly.



This results in falling behind on bills, and that will cause lenders to create derogatory marks on your credit report. There is a lot of information that claim negative marks must remain on your report for seven long years.





This is false. The truth is derogatory items can be removed and are removed every day.



To delete bad credit from your report you should dispute each mark with the bureaus. This is done be sending a dispute letter in which you give an explanation as to why the item is wrong such as; not my account, account paid in full, item is out of date, information is wrong, etc.



Once received the bureaus will conduct an investigation. They will contact the creditor and ask them to verify the account, the dates on the debt, and the total on the debt.



If it is not verified then it must be removed from your credit report. This is according to the Fair Credit Reporting Act a federal law.



This is the act that is cited when people claim an item must remain on your credit report for seven years. This act specifically and plainly says an item can remain on your report for a maximum of seven years, nowhere is anything said about the minimum amount of time a mark must stay.



Unfortunately this incorrect information is leaving many feeling hopeless and frustrated paying the high cost of bad credit. However you dont just have to live with this, you can remove each and every negative item that is on any report.



There are no items that can not be removed. That is the simple truth.



You can write a dispute letter yourself or you can hire a service to dispute negative credit on your behalf. Disputing negative credit is legal and you will never face any monetary fines, jail time, or arrest.



The bureaus have paid for a large campaign to get these false beliefs across to consumers. This is because the bureaus are a business and it costs profits in man hours and resources every time they have to investigate a dispute.



Additionally if you dispute these items yourself be prepared for the bureaus stall tactics. Often they will respond to a dispute letter by requesting more information.



This is not because they need the information but is used as a stall tactic. This is frequently where individuals give up on repairing their credit report and decide to just live with a low score.



You don’t have to live with the high cost of bad credit. You can dispute and remove any mark from your credit report. This will give you and your family with the quality of life that you deserve.