How to delete negativity off my credit report.

Complete the Dispute Form sent with your credit report, and provide the details of the information that you believe are incorrect. The credit bureau then checks with the credit grantor or public record office to see if any erroneous information has been reported. Within thirty days the information that could not be verified will be removed from your report. When the credit grantor does positively verify the information to be correct, you then contact the source of that information and resolve the dispute with the creditor, directly. Should you feel that the item on your credit report is correct, yet you disagree with it being reported, you can then send the credit bureau a brief statement to be included within your report.

If you feel that something is reporting in error on your credit report, simply write a letter to one of the three credit bureaus, whether it be Equifax, Experian, or Trans Union. If the original creditor doesn’t respond to your inquiry within 30 days of receiving notice of your inquiry, the credit bureau will take the side of the consumer, and the negative credit rating will be removed from your credit report. Regardless of whether it was indeed late or derogatory, the negative item will removed from your credit report for lack of a challenge or response from the issuing creditor.

You will first need to order your credit report from the 3 bureaus below:
1. Experian
Tel#: 1.888.397.3742
Website: http://www.experian.com/customer_service/mail.html

2. TransUnion
Tel#: 1.800.888.4213
Website: http://www.transunion.com/

3. Equifax
Tel#: 1.800.685.1111
Website: http://www.equifax.com/home/
There are several ways that you may qualify for a free credit report:
• If you have been denied credit recently.
• If you feel that you have been a victim of identity theft.
• If you receive any type of public assistance.
• If you are unemployed, and will be job hunting.
• You also, are entitled to one free credit report a year. www.annualcreditreport.com

Once you receive your credit reports, it is time to start reviewing all the open and closed accounts, collections, judgments, liens, etc.
Before you start looking at all the accounts on you credit report, you need to familiarize yourself with the layout of the report. All 3 of the credit reports will have a different format, so it is very important to get yourself comfortable reading the reports.

After you have completed these steps visit:
http://www.HelpWithBadCredit.net

Negative items on your credit report may be removed even if they are correct. If you have otherwise maintained good standing with the creditor that reported the information, you can write to them and request that they remove the item from your credit report.

See this article for some good tips and ideas:
http://www.ehow.com/how_4578999_fix-credit-reports.html