How do I communicate to the credit reporting agency on how to remove negative items on my report?

Answer 1

if they are legitimate they can't be removed, if you dispute them you have to notify them in writing. Only the creditor can have them removed

Answer 2

This is a lot of information you need and I cannot put it all down here! Go to this website and read it all, especially the "how credit scoring works" section.

I got my score up from 485 to 720 in a little over a year with the help I got from here! There are sponsored links to companies I used to help me remove negative items from my credit report LEGALLY and I recommend Lexington Law!

They worked wonders for me!
Also, get enrolled in a 3 in 1 credit monitoring service like the one from Equifax in the credit monitoring section! Without this, you are doing the equivalent of driving while blind and if you hit something it makes your score go down!

I did it and you can too! Once you see your score going up. you will want to keep it that way!
Get the RSS feed to this site too since new infromation is always being added!

Answer 3

Send the credit bureau a letter indicating the disputed items and why. Keep it simple and concise.

Answer 4

contact the creditor and the reporting agency in writing to dispute the negative item.

we had a credit consultant do our letters professionally, and my lowest fico score went up over 120 points.

Answer 5

You do not need to go to a credit repair company and spend your money.

I posted a couple of links below...do your homework and read them over. It tells you all you need to know.

These links are to commercial sites that offer credit services...but this is NOT SPAM! They offer a lot of free educational information. If it's good info, I pass it along.