Fast Credit Repair
by dbking

? Raise Credit Score In 30 Days

Raise credit score and you have to write a dispute letter to do this. You simply cannot handle the major credit reporting agencies any other way. You can call, but they can’t do anything to fix reporting gaffes without written documentation of your request.

Imagine is just anybody was permitted to call Experian and receive info regarding your credit score. This would be a serious compromise in disclosure and shoppers would be up in arms about these leaks.

All beefs or challenges to your credit file must be done thru the process of a formal written dispute letter. You might think this is hard to do and a few folks have commented that drafting a dispute letter is just too hard to do, there is however nothing fancy or formal about the process. There is no form and there is not any standard letter that will get you results over another.

If you have an online credit correction software, some of these clean credit programs will write a disagreement letter for you. Not just that, you’ll have the letter addressed to the right location and to the right dep.. Occasionally working out where to send your letter is the hardest process.

In your letter ensure you specifically note the account you are disputing. Let the company know the erroneous account is being reported in your credit history and spell out the reason behind your dispute. Do not write long pages about your uncle who died and your aunt who used to live at your address.

When it comes to a clarification of what your reasons are, be short and concise. An one sentence remark, explaining the cause of your challenge will be sufficient. You need to indicate that any info corresponding to your challenge is also enclosed. If you have cancelled checks or an invoice as validation of your claim then this can hurry along your success. If though you are just bitching, expect the credit reporting bureau to analyze and more than likely reject your claim.

The Fair Credit Reporting Act allows for clients to object to their credit file. You can do this as many times as you wish, however be prepared to get a response that your claim is frivolous. This fundamentally means the bureau thinks you are wasting their time. Does this mean that you are finished? No, it does not.

Press on if you believe you are correct. Send a letter asking for not just verification, but a validation of their claim. Ask for a copy of the store invoice showing your signature. You are entitled to this as part of your dispute and they must comply or they are in violation.

ensure that each of your dispute letters goes to the appropriate credit reporting bureau. Each one of the 3 are dissimilar firms and they basically battle with one another. Do not presume that a letter to one agency will impact the other. Each has their own software and they will score your credit score differently. The explanation for this is because they don’t all get the same credit information from the lenders.

Dispute Experian, Transunion and Equifax separately. Send your request by licensed mail and include proof of identity. Let them know who you are by copies of your identification.

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