“Generally” speaking, you can dispute anything you like, accurate or not.  They must verify it is accurate…usually within 30 days.  If they can’t verify it – it must be removed.  This is why it’s also good to do everything by paper instead of online.  It takes more effort for them to process paper.  If they reply and say the item is verified but they don’t offer proof, you can write again and demand proof of verification.  All this takes time and effort which can often work in your favor.  If that doesn’t help, next, you can try talking to the creditor.  If it’s someone you have a long account with, they may remove something negative if you just ask and are very nice and say you are a longtime customer.  I’ve had this happen myself on occasion and it was nice….but that seems more rare these days especially with banks and credit card companies, because the whole country is having financial trouble.  If it’s something you still owe money on and perhaps has gone to collections (or not), you can offer full or partial payment in return for them removing anything negative.  They have the power to remove whatever they like.  They just want their money.  If they can get all or part of that money they will often agree to remove most anything.  But if you have already paid them you don’t have that same leverage for negotiation.  Often being nice and polite but persuasive works in this instance.   Just make sure to get any agreement from them in writing.  Be sure to send everything certified mail.  Be sure to write down names and extensions/departments of everyone you speak to.  Ive found that just being polite and persistent goes a long way.  Most people they hear from all day are angry.  Being nice can catch them off guard.  Because I don’t know the details of your situation there are so many ways to go.  The ebook really is helpful for all these types of things.  The letters in the software are very good, and there is also a link for additional letters (on the links page in the software).  You can also look at our blog and Google and forums are a great resource.  I hope this info helps.  Good luck to you!

Yes, I completely agree.  Always send all credit dispute letters, etc by certified mail.  You need a proper paper trail for everything you do.