How do I dispute items on my credit?

I'm trying to get some negative stuff off my credit. I've been told by credit repair people that even if you do a settlement it still doesnt help your credit so I might as well just dispute everything. What reason do I put down? Does it matter? I'm disputing online and it gives me a list of reasons why I'm disputing. Does it really matter which reason I put down?

Public Comments

1. Randi, dispute the items in question with the bureau and show proof of the item, line by line. additionally, when you file for credit, disclose the items in question in a memo to the establishment your applying for credit at and claim you're disputing this also to the bureau and it is in process.
2. hello pretty blonde woman you can disdpute it in writing the customer service man will send you a form in the mail you fill it out and mail it back and your credit get corrected.
3. credit repair companies are scams. no such thing. you can get errors off of your report.. .but that is all.
4. Credit repair people want you to pay them money to play games with the credit bureaus. If you have errors on your credit report, dispute them with the credit bureau. If they are legitimate debts, don't clog up the system with phony disputes. You earned those negatives by not paying your bills. If you want to fix them, you have to contact the creditor and work out settlement. Depending on how old the debts are, you might be able to settle for 75% to 50%. Lump sum payments get better terms. Payment arrangements have to be short time frames. Get settlement agreements in writing and don't give them access to your bank account. Your credit score will improve when you establish a consistent on time payment history of at least 2 years. Paying off those old debts will make a difference. Creditors look at more than just your score. Paid negatives look a whole lot better than unpaid ones.
5. Yes, it matters which one you put down. You need to put down only the truthful reason. If you don't have one, then negotiate a settlement as whom ever told you it would not help your credit is mistaken, as once paid it begins to accrue time and the more time that passes and you don't have any other negatives appear the more it helps you. Disputing everything will not help as you incurred the debt and therefore owe, and when the creditor contacts you back they probably will be willing to do a settlement, so why waste the time, go straight forward a do settlements.