An interesting technique we discovered in disputing has done wonders to help clients get items removed. This technique is: Disputing personal information and updating your credit profile before disputing accounts. After all of that information is deleted you can start the dispute process.
What do you say? Just do a standard dispute. The key point is, that if the addresses listed on the report are removed. When a negative account is associated with that previous address is disputed, they can come off as the result of this dispute because there is NO address associated.
Here is your Dispute:
[ Gentlemen:Please be advised that I recently obtained my Credit Report and after careful review, I found some personal information that requires updating.
List person items such as: Name: SS#: DOB: Current Address: Previous Address: Employer: Previous Employer:
It is important that all information is up-to-date and accurate. Therefore please update the personal information listed. In addition as required under the provisions of the Fair Credit Reporting Act, I should expect a response within 30 days with an updated credit profile.
Thanking you in advanced. ]
