credit score dispute letters

How do I challenge the derogatory things on my credit?

When I write a dispute letter case 1, some or all simultaneously. and How do I use excuses to remove it. "It was not me! I already paid!" How can you? and how long does it take to start showing with the highest scores?

It was not me or I paid and working. When disputed, the burden is on the CRA and the creditor to prove that it is indeed its debt, late payment, either. They had one month to verify the information. If they can, you will see an improvement in your score when you remove. Please note does not mean that "This credit card is not mine or anything of that nature. You do not have to prove that the accounts of payment history deleted – only delay payments. Collections are a great boost if you can get. Nothing in the public even more. Good luck!