Take the Item Off

Wanda needs to send a certified letter to the creditors telling them they have 30 days to remove inaccurate items or prove them accurate.

QUESTION: Wanda wants to know how to make the credit bureaus remove items from your credit report that they can’t prove.

ANSWER: Send them a certified letter, return receipt requested, telling them they have 30 days, according to the Federal Fair Debt Collection Practices Act, to remove this inaccurate item. The credit bureau will not take things off your credit report if things are proven to be accurate. If they say it’s accurate, your beef is with the bank or creditor, not the credit bureau.