When it comes to repairing your credit, it is very important for you to fight your own battles. You need to handle every dispute on your credit report yourself. The credit bureaus respond better to disputes that have been directly filed by the consumer. Besides, the credit bureaus are only responsible for the storage of information; they could not care any less about your financial situation.

Letters sent in by consumers trying to repair their credit score are often ignored by credit bureaus. Many people believe that the bureaus purposely make the dispute process difficult to discourage consumers from trying to correct their reports. Even when the credit bureaus say they have verified an entry that usually means they found it in their system. This is not substantial proof, you must have more.

If you send your dispute letter by certified mail, you have a better chance of getting an answer. Keep a list of the dates that you send in your letters and a list of the dates by which you should have received a reply. When you have not heard anything from the bureau in about thirty days, send a certified letter and demand that the items are removed from your report.

It may take several attempts, but keep trying until you get the response you deserve.