Gather 3 items you want to dispute. Typically no more than 5 items at a time. 3 was the magic number when I worked at the major credit bureau. State the 3 items you want removed and the reasons why. (You have every right to dispute and request removal of accurate and in- accurate, negative items from your credit report.)
Things like bankruptcy, foreclosures, and late or non-payments may be accurate, but you can still potentially get them removed from your credit report with proper documentation and use of words. Try it! You have nothing to lose and all to gain. Raise that credit score!
We can supply you a long list of reasons for disputing each negative item and instructions on what to do if a disputed item is re-inserted into your credit file. All you need is proper legal and ethical instructions and you will be quickly on your way to raising your credit score fast!
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Denise A. Manniello is a Credit Restoration and Debt Elimination expert.


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