Can you protest derogatory marks on your credit report?

My brother is wanting to contest some things on his credit report, is this possible? I heard you could through the credit report websites and the creditors have 30 days in order to prove the bad mark is valid and if they don't within this time frame, it has to be removed from your credit report. Do you know anything about this?

Can you protest derogatory marks on your credit report?
You do, as the others said, protest in writing to the Credit Bureau involved, and any other that might be also.





Include specific facts so they know what is being protested.





You ALSO can write a letter of protest to the the place that made the report to the bureau, contesting the statements and and demanding that erroneous and falsely defamatory data be immediately removed from your credit report.





You can hire a lawyer, usually for about $25, to write a letter demanding that the data be removed as false and defamatory, and see what happens. Sometimes knowing you have a lawyer on the job gives some incentive on the other end to avoid a legal battle that is costly for them, and that if they lose will impact lot of their business.





Finally, you can write the Better Business Bureau in the city of the business that entered the false data, and demand they take action against the business in their area that is filing false or defamatory data.





They act slower, but you will get an answer. Be specific with them, data, acts, and the specific errors.





And of course be careful not to defame the business involved by false statements. Very careful. Make no statements not backed up in solid facts and provable with written info, preferably dated and signed. And witnessed if possible.





Defamation may require proof of actual damages, so be on the watchout for such proof. And keep good files so all the info is readily available. Keep the original or a witnessed photocopy of anything written in a bank lock box, for safety. Legal advice is almost a must early on.





And good luck. Hang 'em high and in public! Go for treble damages!





Success.
Reply:Yes you can - I did it once before to get a credit card off of my credit report that wasn't mine - it only appeared with one bureau and they had it off within 30 days along with an updated credit report. I just filed it online at their website - it was much less painful than I had originally believed.
Reply:you are correct


though you can do all of it directly from each Credit Reporting Bureau


you do not have to pay anything


they will send a letter to the creditor in question to reaffirm the debt, if they can show that it is a valid debt, the remarks stay, if not they will be removed


accurate and negative information will not be removed
Reply:I heard and agree about the 30 days but the only thing that happens is the credit agency sends a letter to the creditor asking the creditor to affirm that this person is the one that has the debt that they listed on the report.


I assume/presume that this is nearly a rubber stamp