Knowing your rights. Apply the law. Knowledge is your most effective weapon to dispute inaccurate and erroneous data from your credit bureau, thus improving your credit rating. Upon receiving your free credit reports from the Credit Bureaus, it is imperative that you write a letter immediately to any or all the creditors who have reported negative and inaccurate data to invoke your rights under the law.

For example, this letter would be an excellent format to use in disputing any inaccurate data from your credit bureau: Your firm is hereby placed on notice that the account information provided to Equifax, Experian and Trans Union is erroneous. Pursuant to section 623 of the Fair Credit Reporting Act-as modified by the Fair and Accurate Credit Transaction Act-it is illegal for your firm to report credit data that is known to be false as well as the failure to communicate that a debt is, in fact, disputed.

Please make sure to mail letters to creditors certified return receipt mail.

Know your rights and invoke the law !!!!