This article will give you everything you need to know about removing negative credit report and getting rid of inaccurate negatives from your credit report. Continue reading to learn more.

Make sure you get your free credit score before you continue so that you can follow along.

Negative information on your credit report can make your credit score drop by a lot of points. It’s important to maintain a good credit score so that you can secure your financial future. Little to people know, but your credit score can affect so many variables in your life. Having a low credit score can change where you are employed, what kind of car you drive, what neighborhood you live in, how big of a house you will live in, and what kind of insurance you have.

Employers can run a background check on you and this usually includes your credit report. More than likely, if you have a bad credit score, your employer will think you are unstable and will move on to the next candidate.

Having a low credit score can define what kind of loan you will be approved for and how high of an interest rate you will have to pay.

Some insurance companies will also deny coverage to you if you have a bad credit score. For example, even if you are an Olympic athlete and you have a bad credit score, you may be denied life insurance based on the single score on your credit report.

Click here to check your credit score to see how it weighs. The average score is 760. What is yours?

Remove Negative Credit Report
Negatives on your credit report can stay up to 7 years. These unpaid judgments can stay up to 7 years or until the statue of limitations runs out, which ever is the longer one. So if you had a negative item on your credit report 3 years ago, it will stay for another 4 years. If you have bankruptcy on your credit report, that can stay for 10 years. There are two kinds of negatives on your credit report. Those negatives that are accurate and those that are inaccurate.

If you have inaccurate negatives on your credit report, you will need to remove negative credit report right away. These can be disputed and have to be done in writing. You need to tell the consumer reporting company what is inaccurate in a letter and have it mailed certified mail with receipt so you know that they received it. Make sure to include copies of the letter and include copies of documentation that prove that it’s in accurate.

Inaccurate Negatives: Remove Negative Credit Report
Make sure that you:
• Provide your complete name and address in the letter
• Identify each line item in your credit report that is inaccurate
• Provide copies of documentation that acts as proof to this error on your credit report
• State the facts and reasons on why this is inaccurate and ask for that information to be removed and/or corrected
• Enclose a copy of your credit report and highlight or circle the area in question that you feel is inaccurate
• Keep copies of your letter
• Send it via Certified Mail with Return Receipt

It is the law that the consumer report company reviews your request within 30 days. That is why you have to send it via certified mail with return receipt so that you have proof of when it is sent and received.

You should receive a copy of the investigation in writing as well.

Click here to get your free credit score and make sure you have a good score