Your aim is to remove negative items from your credit report and at times it takes more than 1 dispute to achieve this end. So brace yourself, be persistent without being nasty. REMEMBER to change your reason everytime as you’re more likely to hit on the right note and get it deleted. Summary of points to remember:
They’ve got 30 days to get back to you but if you contact them halfway through, the clock is reset and this causes delays.
Make all your correspondence very clear so it’s easy for the clerk to verify details.
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