If you find incorrect information in your credit report, or if you see a debt listed in your report that you know is not yours, you should dispute your credit record to the credit bureau in order to have the item removed.

The best way to dispute an inaccurate item in your credit record is to send a letter to the credit bureau explaining why you think the item is incorrect and asking that it be removed. Send the letter and copies of any supporting documentation via certified mail, return receipt requested.

Once you receive your credit report and inspect it, if you notice any errors, you will need to take immediate action. This is where a free dispute credit report letter will come in handy. An online dispute credit report letter will help you dispute these errors or mistakes on the credit report.

If you have been a victim of identity theft, you will need to get the authorities involved in helping you dispute your credit record. Begin by reporting any information about the theft occurrence to your local police department. They will begin an investigation of your case and will direct you to other agencies that can help you as well.

It may take some time and a lot of communication to prove the debt was not incurred by you, and that you are not responsible. But be persistent and you will eventually have this invasion removed from your credit report.

If you are having a difficult time getting a derogatory item removed from your credit report, you are allowed to submit to the credit bureau, a one hundred word statement with an explanation of any extenuating circumstances regarding the debt. Although this statement does not act to remove the item from your credit record, it at least offers an explanation to potential creditors your version as to why the item is being reported.