Disputes That Make a Difference
How to Remove Negative Items from Your Credit Report
📅 Published: July 20, 2025
By Executive Estate Realty | Avaymaria Brown, The Executive Broker
If you're preparing for homeownership, cleaning up your credit report should be a top priority. Outdated or inaccurate information can lower your credit score and stand between you and the keys to your first home.
At Executive Estate Realty, we teach our clients how to take control of their financial future by leveraging the Fair Credit Reporting Act (FCRA)—a powerful federal law that gives you the right to dispute incorrect or unverifiable items on your credit report.
What Is the FCRA, and Why Does It Matter?
The Fair Credit Reporting Act gives you the legal right to:
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Access your credit report for free
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Dispute inaccurate, outdated, or unverifiable items
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Expect a response from the credit bureaus within 30 days
That means if an account doesn’t belong to you, is too old to be reported, or contains wrong information—it can and should be removed.
How to Dispute Items on Your Credit Report
1. Review All 3 Reports
Request your reports from Experian, Equifax, and TransUnion.
Look for:
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Late payments you didn’t make
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Accounts you don’t recognize
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Closed or paid-off items still marked open
- Incorrect addresses and phone numbers
2. Submit a Formal Dispute
Each credit bureau has a dispute process online. Include supporting documentation (such as payment records or identity verification).
3. Follow Up
You should receive results within 30 days. If the bureau can’t verify the information, they must remove it.
Download Your Free Credit Manifestation Guide
Ready to clean your credit and attract the lifestyle you deserve?
Download “A Manifesting Approach to Purchasing Your First Home and Managing Your Credit” to:
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Learn how to identify and remove negative items
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Use mindset to stay motivated during credit repair
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Prepare for mortgage readiness with confidence
Manifest Clean Credit & Real Estate Success
You don’t have to face credit challenges alone.
At Executive Estate Realty, we’re here to help you take back control with real resources, effective solutions, and the mindset to rebuild your financial future.
✅ Ready to start today? Boost your credit with the Credit Builder Card — a simple, secure way to build strong credit habits.
📩 Need personalized dispute letters or a custom credit action plan? We’ve got you covered.
📞 Contact Executive Estate Realty
📍 Brandon, Florida | Serving All of Florida
📧 Info@ExecutiveEstateRealty.com
📞 Office: 813-336-7488
📱 Direct: 407-881-2434
🌐 www.ExecutiveEstateRealty.com
