When you are repairing your credit report it is important to create positive credit as well as remove negative credit. The simplest way to build positive credit is to pay all your monthly bills on time.

This will help you to create a positive payment history. A good payment history is almost as important as removing bad credit items from your report.

Another tip is to remove negative marks from your credit report. This is done by disputing inaccurate or invalid marks.

There are estimates that 1 in every 4 people have an inaccurate bad credit item on their credit report that is forcing them to pay higher interest rates. You are responsible to remove these inaccurate marks.

A divorce is a common source of inaccurate marks on an individual's credit report. When a divorcee is occurring the judge will divide the debts between the two parties.

It is common for one party to neglect to pay their court ordered debt. However this results in damage to both parties credit report.

This will happen even if the other party is unaware of the delinquency until it is too late. This party is not responsible for the delinquency but yet their credit is still damaged. This mark is inaccurate and should be removed when disputed.

Another source of inaccurate negative marks is due to lender mistakes. Lenders have humans working there, however their mistake will cost you real money.

It is not uncommon for monthly payment amounts to change on any credit line be it; student loans, credit cards, or whatever. However if you are not notified and continue to make your regular monthly payments your credit will be damaged.

This is because they are not paying the new amount due. They were never notified and continued to make regular on time payments, so it is not their fault but they will pay for the lender's mistake.

This is an example of a negative mark that should be disputed and removed. There are plenty of other examples of when borrowers have negative marks reported on their credit when they are not at fault.

However the Fair Credit Reporting Act that was passed by congress is in place to protect you from these circumstances. This law forces the credit bureaus to investigate a disputed listing.

The hard part of this is to get the bureaus to conduct the investigation. It is common for bureaus to respond to dispute letters by asking for more information about the dispute.

I suggest you be patient if you dispute these marks yourself. The other option is to hire a professional credit repair service. However you decide to do this, you can have negative marks removed from your credit report.

For more online credit repair tips or for another article about how you can remove judgments from your credit history visit us.