Remove items from credit report

Has any member of this group written to the three credit bureaus asking that something be removed? If so, did you have to request it more than once? How long did it take for a reply? Were you notified when the action you requested was taken? I have read some horror stories about dealing with the bureaus. Anyone have a positive experience? Thanks for any info.

I did it online, telling them a debt that was sold of as bad had actually been paid. I also wrote letters to all three and included a copy of the paid-off letter. It took only one time and is not on my report any longer.

I also have written in the past. In my case, I sent a copy of the documentation proving that I had paid the debt in question, and exactly when, showing that it in fact was never late, as reported. I made copies of everything and sent it to all three. It was corrected IN MY FAVOR immediately and I received a written response from them all.

The Fair Credit Reporting Act (FCRA) provides some standards for credit agencies when the accuracy of information contained in a credit report is challenged.

When you report an error, make sure to enclose supporting documents and what is incorrect (balance, open status, etc.) and keep a copy of your submission. Afte the information is received, the credit bureau has 30 days to investigate and get back with you.

If you don’t hear from them by the 30 day mark (45 if you sent followup information) send them another letter, follow up with them. Then send a copy to the FTC, the Federal Trade Commission, Consumer Response Center, CRC-240, 600 Pennsylvania Ave, NW, Washington, DC 20580, 877-392-4357, www.ftc.gov. ( I found this contact information in NOLO’s “Solve your money troubles” book. It has lots of great information)

Also if it isn’t resolved according to your satisfaction, you have the right to put a breif statement on your report. THe FCRA is the one that allows you to get your free credit report every year at annualcreditreport.com) You can get one every four months from a different agency or all three at once.

Okay… enough babble. Hope it helps.