Credit reports are meant to be accurate.
Unfortunately, it is a fact that majority of the credit reports contain some or the other kind of inaccurate or incomplete items.
If your report contains false or incomplete information you have all the rights to request for the removal of the said item.
All types of Credit Acts (notably the Fair Credit Reporting, Fair Credit Billing) are meant for the protection of the individual creditors.
You can obtain your credit report from one of the 3 national credit report providers.
You should obtain a copy from each of these agencies.
One of the easiest methods to find out errors in your credit report is to compare these three copies side by side.
Even though these copies are supposed to reflect the same information, you will be able to spot many errors starting from typo errors to omission of information.
Once you have identified the errors, you can go ahead with disputing the errors one by one with the Credit Bureau.
Once they receive the request, they will need to enquire and verify the accuracy.
If they are not able to do the same, they will need to remove that item from your report.
Just by using this simple method you will be able to score some points.
Another method you can employ is to work with your Creditors.
If your creditors are co-operative they can easily remove that negative item from your report.
Most of the time, you just need to ask the creditors and they will be happy to delete the item for you.