When you have issues on your file that are problems or potential problems, the best way to go is to challenge the appropriate reporting agency that has the information on their version of your file immediately.
This method of challenging information is known as disputing and the tool you'll be using for it is the dispute letter.
I will explain to you here just how you should do it.
When writing your dispute letter to the bureaus, always ensure that you are not challenging more than one account at a time so as not to risk your letter being labeled frivolous.
If you have two collections on your Experian, for instance, you will need to write two different letters for the two collections in that case.
When you are sending your letters, be sure to send them by certified mail to guarantee the delivery, and you should keep all copies of every letter you send to the bureaus including documents that you send along with letters to help facilitate the deletion of accounts.
The kind of information you need to include in your letter include your name, address, social security number, photocopies of your drivers' license, copies of documents that may support whatever claims you're making in the letter, number of the account you're disputing, etc.
You should also make it a point to get yourself a restoration kit, especially if it is your first time of trying the dispute process by yourself.
Be sure to check your file for errors or negative accounts that are damaging and take immediate action on them so as to improve your credit-worthiness.
You can repair a bad file using either the help of a professional repair agency or a do-it-yourself technique.
The point is that you shouldn't delay doing so once you discover bad information on your report.