This method is for direct correspondence with the credit bureau. If you find any details incorrect, incomplete, inaccurate, outdated or do you have the right to challenge this detail in your credit report.
The credit bureau then has a reasonable time contact the creditor and to verify the details disputed. A reasonable amount of time under federal law has been interpreted to be 20 days. However, you need to understand that this type of transaction could take from four to eight weeks to get a reply back. Technically, if the credit bureau does not respond within 30 days, the details wrong or inaccurate must be removed. If, after the credit bureau investigates the details and the information is inaccurate or can not be verified, the credit bureau must delete the detail in the report.
When a negative detail is more than two or three years is unquestioned, many creditors will not respond to the credit bureau because of lack of records. Therefore, by law, the office must remove the item from your report. Since most creditors do not have the space to protect the records for a long time, may not exist any documentation about your payment history.
Understand also that the creditor must provide documentation to the office of the disputed record. Simply controlling the number of rectangles in the statement if you were late, paid on time, etc..
Steps to play:

• Got your credit report.
• Review your credit report.
• Decide the details you want to play.
• Write letters.
• Keep copies of all correspondence sent.
• Keep separate files for each credit bureau.
• Track your order.
• Gets results.

Make sure that when you dispute details in your credit report you dispute not over three details at the same time. Get correct the first three before you dispute three more. The persistence and patience are what you need to get the result. Just remember that usually takes years to add incorrect or inaccurate information on your credit report. Therefore, your credit report sometimes take many months to clear completely.
It is important that you keep copies of all correspondence going to and from the credit bureaus. Also separate folders for each credit bureau. That will mean three folders if you are disputing the information on each credit bureau. (example: Correspondence of Esperia (TRW) Correspondence from Equifax, TransUnion and correspondence.)
If you do not get a letter back within 3 to 5 weeks, send a follow-up letter along with all the above information. The credit bureaus are required to send you the results along with an updated credit report.