Up until about 1992, having negative items removed from your credit report was as simple as requesting a copy of the report, circling the item you wanted removed, and then writing “This is not mine” next to it and about 30 days later the credit bureau would notify you that the disputed item had been removed. It didn’t matter if the item belonged to you or not.
Back then, if one credit bureau removed an item from your credit report, as a courtesy, they would notify the other two bureaus and they’d follow suit and remove the derogatory items from their listings as well, without even bothering to launch their own investigation into the matter.
Today, however, having a negative item removed from your credit report can be a very daunting task. It doesn’t matter if the credit report entry is inaccurate or doesn’t legally belong to you. Getting it removed can be a nightmare.
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