How To Remove Derogatory Items From Credit Report (& What You Need To Know)

Learn how to remove inaccurate derogatory items from your credit report. Also, learn why Credit Glory makes removal super easy.

Call (855) 938-3044 ➔
122 people signed up to FIX their
credit (in the last 60 minutes)!
Get My Free, Consultation! ➔
122 people signed up to FIX their
credit (in the last 60 minutes)!

If derogatory items are showing on your credit report, your easiest removal option may be a dispute. You can file a dispute on your own, but it's a ton of work. An easier way is with help from the credit repair experts at Credit Glory.

How do derogatory items affect your credit score?

Derogatory items on your credit report cause your score to plummet. This puts your financial security in jeopardy. Derogatory items that may show on your report include:

  • Charge-offs
  • Repossessions
  • Collections
  • Bankruptcy

These items may take years to fall off your report. The good news? Sometimes derogatory items are reported inaccurately, and when they are, a credit repair pro (like Credit Glory) makes removal easy.

Have you checked to make sure your derogatory items are accurate?

The FTC states that nearly 20% of all credit reports contain (at least) 1 reporting error. What's this mean for you? It means it's very likely that derogatory items on your credit report are inaccurate. When this occurs, you can erase them (& boost your score) when you dispute them — something the experts at Credit Glory can help with!

How to dispute (& remove) inaccurate derogatory items yourself

Disputing inaccurate derogatory items on your credit report on your own is possible — but it's a tedious process. Here are the steps to file a dispute:

Step 1: Write a dispute letter

There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner (like Credit Glory) can simplify the process with proven results.

Step 2: Collect supporting docs

If you find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. A key here is ensuring you send copies — not originals.

Step 3: Wait for a decision

If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed.

Credit Glory makes your dispute easier (& protects against future issues)

Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Credit Glory — a dispute expert — handle the whole process (saving you time & money).

Choosing Credit Glory for help with your dispute provides:

  • A proven disputing process, backed by a risk-free guarantee.
  • Best-in-class support, so you always know what's going on with your dispute.
  • Long-term protection against future errors with comprehensive credit monitoring (provided by IdentityIQ)

Remove inaccurate derogatory items with help from Credit Glory

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals are here to simplify everything!  Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.