Documenting your credit repair efforts is very important. You will need to create an organizational system to help you track your correspondences with the credit bureaus and your creditors.

Keep copies of your dispute letter and enclosures.

Keep a record of when you sent the dispute letters and what date you should expect a response.

Take notes of all telephone conversations you have with the creditor or the credit reporting agent. You need to document the conversation by writing down the name of the person you spoke to, his or her position, date and time of the conversation, what was said during the phone conversation and what was agreed upon. You don't necessarily need to record the conversation but if you do, by law, you will need to let the other party know you are recording the conversation.

Why record keeping is very important

Keeping a record of when you sent the dispute letters and what date you should expect a response is very important because ne part of the Federal Fair Credit Reporting Act states that when you dispute any information contained on your credit file, the Credit Bureau must verify the accuracy of the information with the creditor who reported the information within 30 days. If they are unable to verify the information within 30 days, it must be removed.

Another good reason to keep good records is that, more often than none, credit items you have worked so hard to remove sometimes mysteriously reappear. If this happens, its much easier to have these items removed if you have a complete record of the first time it was removed.

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