There are many different ways you could have negative items on your credit report, which might have been to no fault of your own. You might have also heard a lot of noise in reference to having negative items being deleted from your credit report by what is known as a dispute.
The truth of the matter is that you can have negative items deleted from your credit report with the right information, that is the key. Your approach to getting this done will depend on your situation. The most common approach is to first of all dispute the item with the credit bureaus. This is done by writing them a simple letter explaining the reason why the MUST remove the account from your report.
Sometimes this is the only step necessary, in other situations you might have to take extra steps to accomplish your goal. But the answer to the question is yes, you can dispute negative items and having them deleted from your credit report. As a matter of fact, any collection account that is older than seven years on your credit report needs to be deleted. The letter explaining this to the bureaus is all that is necessary in this situation.
Understanding the laws that congress has put in place is critical to successfully disputing items on your report. You have to know the exact language to use in your letters to the bureaus, this is the only way they will take your dispute seriously and respond to you in a timely fashion. The process is not as hard as people make it seem to be.