debt

8 steps to rid credit report of old debt

Send a letter to the reporting creditor
Send a letter to the reporting creditor

You also want to send a similar letter to the creditor who's currently reporting the debt.

To do this, either reframe your credit bureau letter, with copies of your documentation, to the creditor or simply send a copy of the same letter with copies of any documents included.

As with the credit bureau, send it certified with a return receipt requested.

The creditor has 30 days to investigate your claims and respond, says Hendricks.

Pro tip: Too many times consumers get angry and their letters tend to reflect that, says Sonya Smith-Valentine, an attorney and owner of the Valentine Legal Group LLC. But that's damaging, she says.

Instead, keep all your conversations and letters to everyone involved calm, measured and businesslike, she says.

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