Credit Repair: Credit Report Repair

Credit Repair

Credit Report Repair

Do It Yourself Credit Repair

Reporting Accurate Negative Credit Information

What To Tell The Creditor

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Credit Repair: Do It Yourself Credit Repair May Be Your Best Solution

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STEP TWO: What to Tell the Creditor or Other Information Provider

Tell the creditor or other information provider, in writing, that you dispute an item in your credit report. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for credit report disputes. If the provider reports the item to a consumer credit reporting company, it must include a notice of your credit report dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again to the consumer credit reporting companies.

For more information, see How to Dispute Credit Report Errors at ftc.gov/credit.

Reporting Accurate Negative Credit Information

When negative credit information in your credit report is accurate, only the passage of time can assure its removal. A consumer credit reporting company can report most accurate negative credit information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting: information about criminal convictions; credit information reported in response to your application for a job that pays more than $75,000 a year; and credit information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year credit reporting period. Generally, the credit reporting period runs from the date that the event took place.

For more information, see Building a Better Credit Report at ftc.gov/credit.

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