I am amazed that so many people are still asking this question but I guess you don’t know what you don’t know, as the saying goes. First, you’ll need to create a free account with Credit Karma as well as Experian.
Now you will go into each account and dispute every negative item whether it belongs to you or not. Your reason will either be “I have no knowledge of this account” or “I have never been late”. The reason you choose depends on your current situation. The older the item is, the easier it will be to have removed.
You have a greater than 70% chance that the disputed item will be removed on the first try. If not, wait 90 days and dispute again and repeat if necessary but generally by the third dispute the item is deleted or shows as never late.
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