Validate Debt Trick

Accurate negative information stays on your credit file and can remain for up to seven years. There is, however, one trick that "may" help to remove negatives from your credit files...this involves requesting written validation of each negative item on your credit file, which is your right under the federal Fair Credit Reporting Act. You don't have to pay anyone to do this.

Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase:

Per the Fair Credit Reporting Act, I am requesting written validation of this item.

Do this one at a time for each negative entry....DO NOT request validation for all items at one time.

There is NO guarantee that this will work....It may give some decent results. The worst that can happen is that all negative items come back verified.