If you discover an incorrect item or listing on your credit report it is your responsibility to contact the reporting credit bureau and notify them of the mistake. When you have done this the credit bureau is then required by law to investigate your claim.
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Creditor’s have very strict and specific laws and guidelines that govern their business practices.

These laws are put into place on a state by state basis in order to protect the rights of that states citizens. However, many creditors feel as if they live “above the law.” And in some cases they will bend or exploit the laws that govern them in order to unlawfully attempt to collect a debt. 
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Legal Credit Repair – What If The Negative Items Are True

If after examining your free credit report, you do not find any inaccuracies although there are negatives, then it will take some time for those to be removed, usually seven years with the following exceptions:

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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:

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Self Credit Repair – Continuation

Once the credit report dispute has been filed, the bureau in question is required to investigate it within 30 days. Ensure that all inaccuracies are corrected.

For instance, if your account shows transaction by someone else, they should all be deleted and all incomplete items must be completed. An example of an incomplete items is if late payments are logged earlier but the report does not show that you are no longer delinquent.
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