How to Take Things Off Your Credit

Taking certain items off your credit report is key to giving your FICO rating a fast increase. A higher FICO score helps with regards to credit/loan approvals and favorable interest rates on these accounts. Getting things off your credit report is not always an easy task. Paying old accounts doesn't delete negative comments. But if dealing with errors, you can get these mistakes off your file.

Instructions

1

Read your report. Regularly reviewing your credit history is the only way to detect items that need removal. Use the order form from AnnualCreditReport.com to get one free yearly copy from each of the major credit bureaus: Experian, Equifax and TransUnion.

2

Look for problems on your report. Don't skim or quickly glance at your report. Read each account entry carefully. Make sure your personal information is accurate and account information is up-to-date; circle accounts that you do not recognize.

3

Write the bureaus to get incorrect information taken off your credit history. Send a written dispute letter, or file an online dispute on AnnualCreditReport.com. If sending a dispute by mail, make a copy of your credit report, circle items that need addressing and then include an explanation as to why the information is inaccurate. Submit copies of supporting evidence, if applicable. The bureaus will investigate within one month.

4

Get proof that the bureaus received your dispute letter. Rather than regular postal mail, mail this letter by certified mail. You will receive a return receipt a few days after delivery of your dispute letter.