When the credit bureau receives your report

Errors included false delinquencies, public records, judgments and credit accounts that did not belong to the consumer. Since your credit reports are used to determine if you are to be given centimeter, it is in your best interest to examine your reports carefully, correct inaccurate information. Make every effort to remove all unfavorable information. If you see peddler problems on your report, such as an unpaid bill that you simply forgot about, act right away to resolve the debt. Then ask that creditor to send a letter to the credit reporting agencies stating that the matter has been resolved. Make certain that all information is current and accurate, including the free best free national consumer credit counseling information.

For example, my loan to bank is not outstanding. Send photocopies along with all the necessary information to backup your claim. After you have done this send it to the credit bureau by certified usurer mail. When the credit bureau receives your report and the information in question, they are required to investigate and advise you of the results of their investigation. They must do this free of charge. Anytime that you are denied grater you have the right to know why. If you are turned down for a credit account at a store, you will receive a statement from the store stating that you were denied credit and their reason why. If the store based their decision on your credit history, they must provide you with the name and address of the agency that reported it. If for some reason you cannot prove that a negative item is an error or if you are having a disagreement with a certain creditor, you have the right to tell your side of the story in 100 words or less. This statement will be added to your report. When correcting items on your credit report, you have the right to demand that the consumer credit card counseling services bureau send corrected copies of your report to all creditors who have received the incorrect reports for the past six months. Credit bureaus will not do this automatically. They will only do it if you ask. So make sure you ask. Despite popular belief, it is often possible to negotiate removal of negative items on your credit reports posted by creditors. The important thing is to be positive, be patient and get in contact with them to try to work out a deal. If you've ignored a creditor's bills or phone calls, or if you failed to keep up with payments, your bill may be turned over to a collection agency. Keep in mind that collection agencies are hired by the creditor and their only goal is to collect the money owed as quickly as possible. For their efforts, they are paid a percentage of what they collect.
If the charges are indeed yours it may be in your best interest to negotiate with the collection agency.

You might be able to settle on paying a portion of your debt, or you might be able to work out a payment installment plan with them.

Whatever deal you make with them, be sure that you have it all in writing prior to paying them. Collection agencies can be very aggressive when it comes to collecting money. Remember that you have association of independent consumer credit counseling agency rights. You have the right to ask a collection agency stop contacting you, especially if you feel harassed. Go through your credit reports very carefully. Especially look for late payments, charge-off, collections or other negative items that aren't yours.
Also make sure you don’t have duplicate bombardier notices listed.

Any duplicates must be removed. Sometimes, in an effort to make you less desirable to their competitors, some creditors will not post your proper credit line. Showing less available credit can negatively impact your usurer score. If you see this happening on your credit report, you have a right to complain and bring this to their attention.
Very often the creditor will not report a bankruptcy charge-off as a zero balance until it’s been disputed.