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Removing Negative Items from Your Credit Report

If after reading below you feel that it will be too complicated to remove the negative items from your credit report we strongly suggest that you use an accredited legal firm to do this. The cost is around $89. We suggest using www.macylegal.com

 When you request for and receive a copy of your annual credit report, do you just keep it for filing or do you immediately study the report to look for inaccuracies? If you will not do the latter, there is a big possibility that you will end up with a bad credit score because most – if not all – of the annual credit reports that will be sent out to you will have errors or inaccuracies. This is the reason why, as soon as you receive your annual credit report, you need to look for errors and compare the items against what you have on your financial folder so that you can dispute any inaccuracies. Removing negative items from your credit report is necessary if you would like to maintain a good credit score.

Before moving on to how you can remove negative items from your credit report, you need to first learn how to obtain a free annual credit report. By logging on to www.annualcreditreport.com, you can request for your annual and free credit report to be sent out to you. The report can be from either of these three credit reporting agencies: TransUnion, Equifax and Experian. Financial experts suggest that you get the annual report from all three companies so that you can take a look at all of the free annual credit reports that they send out, and this will be your basis for comparison.

To learn the key points in removing negative items from your credit report, take a look at these tips:

1. Review the free annual credit reports which are sent out to you and file a dispute for the inaccurate items which will negatively affect your credit score.

If you find a lot of negative items to dispute, an investigation will be held and if the negative item cannot be verified at a particular span of time – then it should be removed from your records.  Do the reviewing yourself rather than going for one of those credit repair companies which may prove to be a scam in the end. Fixing your credit cannot be done overnight, no matter how their advertisements portray to do so, But if you do the reviewing of the items yourself and by following the steps necessary to file a dispute for the negative items listed on your credit report – you might just be able to start building a positive credit history for yourself.

2. Request to delete any information on your credit report that is outdated.

If you have previously filed for bankruptcy, the information should be removed from your records ten years after the date that it was filed. Another negative information that should be scrapped – after seven years – is a collections status. These items will inadvertently hurt your credit score, and are considered to be negative items that should be removed from your credit report as soon as the allotted time has elapsed.

By following these tips, you can remove items from your credit report and start working your way towards building a positive credit history.