Many people new to credit repair ask the following question:

Q. If I find inaccurate info on an item that is mine will it come off permanently or will they just update/correct the info? Example – if I had a collection that is reporting a wrong date or dollar amount and I write to them saying that item is inaccurate due to the incorrect amount, will they delete the item or just update the information?

A. You’ve just stumbled upon a secret trick in the credit repair process. You may or may not know that sometimes it takes several rounds of disputes to get a negative listing off of your credit report. You can re-dispute an item with the credit bureaus as many times as you like as long as you give a different reason for the dispute each time.

Here’s the trick: Sometimes a credit bureau will not be able to verify information within the listing and will then yank the whole negative account off of your credit report. Even if your high balance is correct on a credit card listing, but you dispute the date the account was open and the credit bureau cannot verify the date, sometimes the whole listing will disappear.

Intrigued? Here is a whole possible list of items within a negative listing which you can dispute to remove a listing from your credit report:

1. Not mine (not my account)
2. I didn’t pay late that month
3. Wrong amount
4. Wrong account number
5. Wrong original creditor
6. Wrong Charge-off Date
7. Wrong Date of Last Activity
8. Wrong Balance
9. Wrong Credit limit
10. Wrong Status (there are about 20)
11. Wrong High Credit (the highest amount you used)

Remember, it is never illegal to dispute anything on your credit report. Per the Fair Credit Reporting Act, it is always your legal right to request an investigation. Anyone else used this idea successfully? Leave us a comment.

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