When disputing fails with Credit Bureaus

This is the next step in clearing up your credit history. After disputing your credit items whether they are collection or late payment accounts. Please use the enclosed letters and send directly to the creditor. There is a special letter for each category that will get you results. These letters must be sent certified return receipt. This letter is date sensitive and only gives the creditor 30 days to respond by law. If they do not respond the item must be removed. This particular format will cause the creditor to make available to you all documentation. Most collection companies are never given this information therefore it will be easier just to remove from the bureaus.