The meat and potatoes of this book comes in the chapter how to remove all negative items from your report the book goes into detail about how to file a dispute with the credit bureau and then request what is known as a method of verification request. Download it once and read it on your kindle device pc phones or tablets use features like bookmarks note taking and highlighting while reading how to remove all negative items from your credit report do it yourself guide to dramatically increase your credit rating. Either way your request should include a brief rundown of your history with the creditor a brief explanation of the financial hardship that led to your late payment a request to remove the negative mark from your credit report of course if you have a long history of late payments thats another story. The steps to removing negative items from your credit report is simple get your free credit report from all 3 credit rating agencies find the negative items you want to be removed write a letter that includes the items you need removed include proof of who you are send by certified mail return receipt requested. Check out 609 credit repair https 609creditrepaircom where we have credit repair letters that work and help you dispute items on your credit report hire