Credit bureaus are those agencies where credit information is filed from lenders and collection agencies. Anything that is reported on your credit is brought to the attention of one or all of the three main credit bureaus. These agencies do not create the information that is listed on the credit reports. The information comes from others. In order to have the items removed, a person needs proof that they are paid off or that they are errant.
Everyone has a legal right to dispute anything that is in the credit reports. Most people, however, do not know how to deal with the bureaus. It can be difficult for anyone to get through to people at these agencies. Most of the correspondence is done by mail. Very few people understand their rights when it comes to disputing the credit bureau information.
You are better off to get a professional company to handle the bureaus for you. They know who to contact and how to work to get any bad credit removed from a report. They know the law. They know what it takes to get bad credit removed from the bureaus.
If you decide to do this yourself, you will have to get used to countless amounts of paperwork. You are better off to open up a file for each of the three bureaus. You should have an updated copy of your credit report in each file. There are sometimes differences between the reports from the bureaus and each of them must be handled differently.
In addition to making files for each of the bureaus. You should keep track of names, if there are any names that you end up getting. You should also keep copies of any letters and information that you send out to the companies.
It can take many months before you are able to get the credit bureaus to remove undesirable reports from your credit report. You should have a lot of patience if you are going to try to clean up your credit. This can be a very trying for anyone. You have to be prepared to be very persistent with your mission to clean up your credit.
If you want to speed things up, you can hire a credit rewind service. These credit repair services will get your credit cleared up a lot faster than you can do on your own. You will not need to do anything but sign a few pieces of paper.