You are probably thinking ok i have my credit reports in my hand, now what? I have gone two seperate ways to start STEP TWO, each is the same except were done at different time in my credit repair stage;

#1 i wrote down all the accounts on my report and made note of the ones i want removed, the ammounts owed, the name of company listing negative information, the agencies they show on, original creditor (if any), and first date account went deliqent. #2 All of the above except i typed everything versus writing into an excel spreadhseet (TRSUT ME ON THIS, IT SAVES YOU TIME WHEN YOU START PRINTING LETTERS TO SEND OUT) and included the listing compant address, city, state, zip, phone and current status of the account.

I took all the data I gathered and sent out my first letter of VALIDATION and DISPUTE. If you have read all of STEP ONE and following to STEP TWO then you will need to remember VALIDATION and VERIFY. These are two separate letters you will be sending out but each serves a unique purpose.

With the VALIDATION and DISPUTE letter you simply want the CA (Collection/Removal Account Company Name) to validate the account, send you what they have on file for you while you are disputing it.

NOTE: Anything you send the CRA (Credit Reporting Agency/Bureau) or a CA must be sent CMRRR (Certified Mail Request Receipt Return) and NO SIGNATURES.

Make sure to print out letters of DISPUTE to the CRA, you will send these out when you receive the little green cards back from the letters you sent to the CA. Sure you can file a dispute on the CA you want removed online, but you create no paper trail like when you send the letter of VALIDATION and DISPUTE CMRRR. Having a paper trail will play key for you down the line. Make sure to have a folder or envelope of all your receipts and green cards.

After you have received the green card from the letter of DISPUTE that was sent to the CRA you sit back and wait for STEP THREE.