He Got a Better Credit Score by Complaining
“I got a negative removed from my credit report. Once you have a negative on your report it stays on for 7 years (there are exceptions).
Write a letter to all 3 agencies telling them that the negative is a mistake and that by law they must investigate it and provide proof of their investigation within 30 days. You can send these letters every 30 days as well, and they must investigate it each time.
The agencies don’t have the resources to investigate each claim, so they often just remove it. When I wrote my letters the first two agencies removed the negative the first time, the other agency did the investigation and responded saying that it was in fact accurate.
I sent the same letter a month later and they dropped it that time. You should use old fashioned snail mail as it is more difficult to process that way. Worked like a charm and now I have a perfect credit history!” Story credit: Reddit / unclechett