How do I correct negative information on my credit report?

Challenging the accuracy or completeness of an item is the best way to have a negative item removed. It is best if you can include documentation that supports your challenge. If negative information is outdated, you again need to bring this to the attention of the credit bureau in writing. If the credit bureau fails to verify the items you challenged within a reasonable time (defined as 30 business days) from the date your challenge was received, the Fair Credit Reporting Act gives you the right to have the challenged item removed from your report.

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