subject: Raise Credit Score Guaranteed [print this page] Raise credit score and you have got to write a dispute letter in order to do this. You simply can't handle the major credit reporting agencies any alternative way. You can call, but they cannot do anything to fix reporting errors without written documentation of your request.
Imagine is just anyone was allowed to call Experian and receive information about your credit history. This would be a heavy compromise in declaration and consumers would be up in arms about these leaks.
All beefs or challenges to your credit file must be done through the process of a formal written dispute letter. You may think this is hard to do and one or two people have commented that drafting a dispute letter is just too hard to accomplish, there is however nothing fancy or formal about the process. There is no form and there's no standard letter which will get you results over another.
If you have an online credit fixing software, a few of these clean credit programs will write a dispute letter for you. Not just that, you'll have the letter addressed to the right location and to the right dept. Sometimes understanding where to send your letter is the most difficult process.
In your letter make sure you in particular note the account you are disputing. Let the company know that the erroneous account is being reported in your credit score and spell out the explanation for your dispute. Do not write long pages about your uncle who died and your aunt who once lived 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 adequate. You should indicate that any information corresponding to your challenge is also enclosed. If you have cancelled checks or an invoice as proof of your claim then this could speed your success. If though you are just bitching, expect the credit reporting bureau to investigate and very likely deny your claim.
The Fair Credit Reporting Act allows for shoppers to take issue with their credit file. You can do this as many times as you wish, however be ready to get a response that your claim is flighty. This fundamentally implies that the bureau thinks you are wasting their time. Does this suggest that you are finished? No, it doesn't.
Press on if you believe you are correct. Send a letter asking for not just corroboration, but a verification of their claim. Ask for a copy of the store receipt showing your signature. You are entitled to this as a part of your dispute and they must comply or they are in violation.
make sure that each of your dispute letters goes to the appropriate credit reporting bureau. Each one of the three are different firms and they fundamentally battle with each other. Don't say that a letter to one agency will impact on the other. Each has their own software and they will score your credit score differently. The explanation for this is as they do not all get the same credit info from the banks.
Dispute Experian, Transunion and Equifax separately. Send your request by certified mail and include evidence of identity. Make them aware who you are by copies of your identification.
