How to Remove Public Records From Your Credit Report

This is one strategy that attorney's charge $1,500 or more for. It is the technique that removes any public record from your credit report, in a legal fashion.

As with any form of credit restoration, there is the process of challenging the listing for validity and requesting documentation that the debt exists. The way to remove public records is to challenge individual items, such as date discharged, amount, date of last activity etc. Dispute the individual information contained in the public record as being incomplete.

If there is nothing missing, first dispute the entire listing. If the report comes back as verified, then request the "method of verification".

As stated in the Fair Credit Reporting Act:

15 U.S.C section 1681 (i)(7): "Description of reinvestigative procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii)by not later than 15 days after receiving a request from a consumer for that description."

(6)(B)(iii)"...a description of the procedure used to determine accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher

The credit bureaus rarely provide the furnishers contact information because they don't want the consumer to realize that in most cases all they're doing is a computer verification and not a verbal one. When this information is not given in a resonable and timely manner, pressure can then be put on the credit reporting agency to delete the account.

The main thing to point out here is PROCEDURE. The CRA must follow procedure as set forth in the law.

15 U.S.C. section 168 (e): Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

As stated, credit bureaus are required by law to follow reasonable procedures to assure maximum accuracy of the information concerning credit reports. But what constitutes a reasonable procedure? One computer talking with another that matches information that may be innaccurate? Most people would agree that it is not the most reliable method of information. As consumers, we must force the credit bureau's, in court if necessary, to provide 100% written or verbal verifications and provideconsumers with actual documentation so they can challenge the furnisher.

Demand that the credit bureau follow procedure and complete their dispute investigation within the 30 day allowed by law and if the account is verified that they submit the furnisher of informations complete name, address and phone number in the 15 days the law states them to do so.

Be strong. Be persistent. Put pressure on them to give you the proof required in a timely fashion provided by law or remove the account from your credit report.

It is time to hold these agencies accountable for the mis-information that they provide.