What to expect

In most cases credit bureaus will not be able to verify originally signed documents, specifically those dating back pre-digital age. This is a win. While they don’t always go quiet, we can anticipate that most eventually are removed from the report. If the account is marked, “unverified,” per federal law the account must be deleted from your credit report.

Many accounts, notably medical bills are deleted easier. The reality is it’s just not worth the hassle for companies to fight these and search for paperwork they likely do not have.

You may send one rounds of letters and get everything removed or it may take four rounds of letters to get everything removed. It is important to keep going. Be prepared to go a few rounds. Your commitment will be the only thing that slows you down.

When you send notarized letters to the 3 credit bureaus they may initially ignore your request and send you a letter referencing a suspicious letter. This tactic is designed to prevent you from continuing your credit cleanse. Ignore this and move forward.

Continue to send letters for rounds 1-4 in thirty day increments. Your only added cost is postage per letter sent and monthly credit monitoring. It is important to maintain a credit monitoring service that is reputable. Having access to your credit report where you can effectively determine what has been cleansed and what negative remarks still remain is key in cleaning up the wreckage.