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A credit repair letter is the consumers’ method of challenging and removing a negative item from their credit report. This letter is also commonly referred to as a dispute letter.

By sending this letter you are telling the credit bureau that the listing is incorrect and should be removed. Upon receipt of this letter the bureaus will conduct an investigation into the listing. Be aware that a separate letter must be sent to each credit bureau.

In your letter you must include the disputed item, the reason for the dispute, your name and address. Common reasons for a dispute are; account is paid in full, not your account, information wrong, item out of date and more.

Congress passed the Fair Credit Reporting Act to help protect you from the credit bureaus. This law forces the bureaus to investigate a dispute and remove any inaccurate or unverifiable listing from your credit report. Consumers had no method of removing a negative item from their credit before this law.

The difficult part of disputing a mark is getting the credit bureaus to deem your dispute letter valid. The way it works is the credit bureau will spend money that would otherwise be profit investigating disputes.

Thus bureaus are very resistant to investigations and use stall tactics to hopefully get you to give up on the dispute process. A typical response from the bureaus to a dispute letter is to request more information regarding the mark.

Also you should know that under no circumstances should you ever submit a 100 word statement on your credit report. This is a place where you can provide a brief statement next to a negative mark.

In the past this was used to explain what happened. However today if you fill in this statement you are only admitting guilt to the bureaus.

If you do this it will be next to impossible to ever remove this mark from your credit report. The credit bureaus will deem any future dispute letter challenging that mark as frivolous.

Negative listings can be removed; you just need to be persistent and patient. I would suggest looking into a credit repair service if you have multiple negative listings on your credit report.