You must contact the agency reporting the error according to their procedures, giving them necessary relevant evidence to support your claim of inaccurate information. Remember, the agencies only report what is being given to them by creditors. The agency must give you a written report of the investigation and a copy of your credit report, if the investigation results in any change to your credit report. If there is accurate negative information contained in your credit report, the agency is in no way obligated to change your credit report. Several books on the market outline strategies for getting the reporting agencies to remove negative, though accurate, information.
Tactics are usually very aggressive and threatening.
There are also several questionable service companies that, for a fee, claim to be able to remove negative information from your credit report. Landmark Mortgage does not subscribe to any of the methods contained in such texts or employed by such companies to remove accurate negative information from your credit report. However, some of our clients have been able to have accurate negative information removed from their credit reports by contacting the creditors reporting the information. Generally, this has involved the reporting of past late payments. In one instance, the client had a department store card while in college.