Fast Credit Repair
by isforinsects

Fix Credit Reports – Dispute Smart to Improve your Credit Score

What’s a dispute letter?  To fix credit reports its better to think outside of the box.  The reason so many say that credit repair and disputing doesn’t work anymore is that they keep on beating the dead horse.  Meaning they use the same old tired tactics that don’t get any results.  Denying isn’t disputing and that’s what many dispute letters do.  You have to take the law into your own hands.  Wait, let me rephrase that, before anyone goes a little nuts.  You have to use the laws that are in your hands.  That’s better.

There are laws that can help you fix credit reports without having to use old tactics that rely on just a delay of time.  That’s what the old tactics did.  They simple expected to have the creditor not comply within the response window and use that as a way to have the derogatory credit account removed.  They’re much faster at responding, some of you might have figured that out already.  That’s why the old dispute letters don’t work.  A smart dispute letter would address certain issues with the account and the collection company.  It would ask a specific question.  Ask for proof of the debt, accounting and perhaps proof of the company’s right to collect from you.  You see how it changes?

Another thing is violations to your rights.  I don’t fix credit reports for a living.  I learned all this from research and credit manuals.  I don’t need an expert to read something from a book to me.  I can do that myself and save 1,200 dollars.  The violation issues are usually re-aging of your debt.  By law they cant start the clock on you again.  If they do, they’re negatively affecting your credit reports for a longer period than allowed.  See where this is going?

One last thing on collections, it wont fix your credit reports to simply pay a collection.  It can actually do more damage than good.  Depending on how old the collection is it can bring the debt current and have a damaging impact on your credit.  To improve credit reports by paying of collections you have to settle and get a deletion letter.  That letter will have the account removed.  Otherwise, the credit report is simply updated as paid and continues to reflect a negative account.

That’s it remember to be smart and you can fix your credit reports.  Take the law and make it work for you.  They’re there to protect you.

Fast Credit Repair