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1. Obtain your three (Equifax, Experian, TransUnion), free credit reports at: AnnualCreditReport.com
2. Identify the negative items and accounts being reported on all three of your credit reports.
3. Write and mail dispute letters to each bureau. Start with the "First Dispute of Account or Accounts".
4. You may receive confirmation correspondence from one or more of the credit bureaus stating they are investigating the disputed items (Experian almost always does this.) Ignore these confirmations and stick to the timetable. These may be stalling tactics.
   
   Around 30 days, if the disputed items have not been removed or corrected, send the "Second Notice of Dispute Letter".
   
   Around 45 days if the credit bureaus claim they have verified the negative accounts and have NOT deleted or corrected them, send the first letter of demand. If the credit bureaus have deleted or corrected some of the disputed items, but not all of them, send the second version of the letter of demand.
   
   Make sure all of the needed information (See Step 1.) is also included in this second letter, and send this second letter via certified mail as well.
5. If after 30 days you have received no correspondence at all from any one of the credit bureaus, and to the best of your knowledge the credit bureau (s) are simply ignoring you, you have some flexibility here. You can either complain to the FTC and enclose photocopies of your letter(s) and certified mail receipt(s). Or you can wait another 15 days, and then send the credit bureau(s) this "Time's Up" letter, and a copy of it to the FTC... along with photocopies of your dispute letters and certified mail receipts.

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