Fast Credit Repair
by LydiaL

Fixing Credit Score – Disputing Accounts Doesn’t Work

There are outdated techniques for fixing credit score that are still being used today.  The days of counting to 30 days and asking the credit bureaus to remove an account for not receiving an answer within that time window are almost over.  This technique rarely works now.  I found this out recently.  I had been mailing dispute letters and getting no results.

My old information was leaving me frustrated and with no results.  I had to look into information that was more updated and had a track record of working or I was going to have to hire someone to do it for me.  I was in no rush to pay someone somewhere in the ball park to nine hundred to fifteen hundred dollars to clean my credit, with no guarantees.

Fixing credit score techniques that worked for me were still in the writing a letter idea.  Except that they weren’t just letters disputing the account.  There was more to the new techniques than saying it’s not mine.  When you send dispute letters many times the accounts get confirmed and it becomes tougher to remove them.  What I did was pick up new techniques that work with current credit reporting and collecting laws to help me delete or challenge the validity of the company collecting.

Here’s what I mean.  Instead of disputing the account for some bogus reason and getting no results from my efforts I informed myself on legal technicalities that would give me the upper hand on the collection companies.  I was able to dispute the accounts because the collection companies were re-aging my bad account and violating my rights.  That is grounds for having the account cleared from your credit.

I also went right for the jugular and demanded proof from them that I owed the debt.  If the company has nothing more than their own internal records, it’s not enough.  They must produce copies of the original contract from the credit company.  With so many companies merging and closing, it’s sometimes impossible for them to produce this documentation.

Now the laws are on your side.  Take advantage of these technicalities and put your fixing credit score techniques to work.  Not all collection companies are going to be this easy but you will be surprised as to how many don’t have the original documentation they need to collect from you.

I’m my case I have removed several collection accounts with this technique.  Getting current information was the way to make the disputing work.

Fast Credit Repair