Disputing negative items on your credit report can be an effective way to improve your credit score. The first step is to review your credit report thoroughly and identify any errors or inaccuracies. Once you have pinpointed the problematic items, you can initiate the dispute process by contacting the credit bureaus directly. This typically involves submitting a written dispute letter, along with any supporting documentation, to the relevant credit bureaus. The bureaus are then required to investigate the disputed items and provide you with the results within a specified timeframe. If the investigation finds the negative item to be inaccurate or unverifiable, it must be removed from your credit report. Alternatively, if the item is found to be accurate, you can still attempt to negotiate with the creditor or collection agency to have it removed or modified. Persisting through the dispute process can be time-consuming, but it is a valuable tool for addressing negative information on your credit report and ultimately improving your overall creditworthiness.