As you proceed through these steps, keep copies and records of all correspondence you send and receive, including the envelopes! It is very important that you keep copies of everything when communicating with a creditor, debt collector, or credit reporting agency. Should they violate the law, you will have the necessary documentation to prove it, and perhaps make them pay. If you should encounter any special difficulty and need more help, you will also need these records to proceed. Finally, if information that was removed from your credit report should reappear later, you will have the documentation to force the credit agency to permanently delete this entry.