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Dispute your Credit Report – I Know from Experience it Improves Credit Profiles!

Todays Date: December 15, 2018

When you dispute your credit report, there is a right way to do it that will earn you the best results. If you don’t use this method, the results you get can still be decent, but isn’t it better to learn the right way so you can get the most out of your efforts? Let me just outline the important aspects of disputing your credit report – the do’s and don’ts of the process. This will help you see the best success in the long run.

When you dispute your credit report, it is imperative that you be truthful. You cannot just dispute everything. To dispute your credit report, first you need a copy of your credit report. There are plenty of places online you can get this. You should be able to find them for free, but be wary when you do. Most of the time there are numerous ‘up-sales’ that you will have to resist. Be ware: you do not need these up-sale items. Just get the credit reports you went there for and be on your way to improved credit—it can be done for free!

Once you have all three reports from the three credit reporting agencies, you need to read them over so you know what you need to dispute on your credit report. This should be relatively simple. You’ll want to dispute the following:

1. Accounts that you included in a bankruptcy (if you had one) that are still reporting and/or still have a balance on them.

2. Accounts with balances that you have actually paid off.

3. Inaccurately reporting accounts.

4. Wrong information. This means anything—no matter how small of a detail is in error!

5. Wrong names.

6. Accounts that are not yours.

7. Judgments or Tax Liens that are paid off but are not updated to ‘satisfied’.

8. Wrong social security numbers.

9. Wrong addresses (i.e. addresses you have never lived at).

Once you have marked all such items, you dispute your credit report by making your credit dispute letters. The simplest way to dispute your credit report is to utilize some sort of credit repair software. But again, you should not have to purchase this software anymore!

Remember, self credit repair should be free! There is software available on the internet for free that will help you to automatically create your credit repair letters. This type of software program will enable you to create your credit dispute letters quickly, and it will take some of the guess work out of it. But keep in mind: be ware of upsales that you don’t need! And be ware of downloads too. There is credit repair software that is completely freely available and doesn’t require you to download it to your computer.

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