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