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We
must have 3 - 6 open car/home loans/credit cards to improve credit
scores! It's not enough to pay off collections charges offs &
bills. We MUST have current open rated credit (12 mo's reported to
bureaus within the last 1 - 2 yrs) Get good credit
BELOW
Credit
Cards for a 350 - 599 Credit Score
Credit
Card for a 600 - 649 Score
Credit
Cards for Credit Score of 650 - 699 Credit
Cards for a 700 - 749 Credit Score
It takes 30 days from the date
the creditor receives the dispute from the credit bureau when you
are disputing bad credit. Federal law gives the creditor 30 days to
respond.
Use this free form FREE UNIVERSAL CREDIT
DISPUTE FORM The Fair Credit
Reporting Act and the Free Credit Report Disputing
process. Dispute with the bureaus by mail. You need
writing for security and possible future legal uses. The Credit Bureaus TransUnion Equifax
Experian contact the creditors about my dispute
Creditors receive dispute and respond to back
the bureaus within the 30 day time frame man dated by federal
law.
The bureaus Trans Union Equifax Experian
respond back to me in writing about the findings from
creditors.
Several Things can happen with the
findings Get no response. Dispute again if 30 days
pass.
Get a letter asking for
more information. Do what
they say.
Rejection based on the
timing of the dispute.Usually because you disputed the same item to
quickly. Wait 90 days the next time.
Rejection because
dispute is frivolous or irrelevant. Write another dispute letter and be more
assistant of your position.
Rejection on ground you
are manipulating the system. Write another letter to bureaus insisting
them to complete their legal obligation by law.
Confirmation the dispute
process has begun.Sometimes a bureau will use this to allow
more time for the process. Which is not fair and maybe illegal.
New credit report
showing the results of the investigation. TAA DAA!
Confirmation the account
is accurate according to the creditors records. Wait 90 days and do it again or
call the creditor and try again to negotiate.
How much does it cost to
clean a credit report?
I am currently wanting to dispute a
collection that I just found on my credit report. So my questions
are:
Do I
need to send each credit bureau 'their' copy of my credit
report?
Or can it be another type of
copy?
I will be mailing in my dispute
through the old school mail (snail mail) and do I need to send it
certified mail so I can have a record of them receiving it? My
concern is that I will not have any proof that they received my
dispute information.
------------------------
Bo
Only the ones
affected or you might get something stirred up.
so you should have each report and know which
ones to send them to.
Each bureau is
separate
Send copies delivery
confirmation
Free
Universal Dispute form
Questions #2
I love this website,
this is the best one I ever seen. So I mail my
letter along with a copy of my credit report or
use the dispute form on
your website and add
the information from my credit report to the
dispute form.
------------------- Yes do that
------------- Sir, when I dispute an item on my credit
report, can I print the
selected portion
(meaning highlight the creditor info. And print that on
1 page and dispute or do I have to send the
entire credit report along
with dispute
letter
--------------- Sure can do it just like that
Questions
#3
Hi Bo,
I have
been using advice and have seen positive results. I received a
letter from one of my disputes asking me to be specific in the
information I am disputing (which I did), also a explanation (which
I did), a copy of my DL (why would they want that), and my phone
number. Cna you explain to me why they would ask me for that.
----------------
Bo
One has to prove and verify who one is.
This keeps me protected from fraud. Dispute You are doing the right
thing
We
must have 3 - 6 open car/home loans/credit cards to improve credit
scores! It's not enough to pay off collections charges offs &
bills. We MUST have current open rated credit (12 mo's reported to
bureaus within the last 1 - 2 yrs) Get good credit
BELOW
Credit
Cards for a 350 - 599 Credit Score
Credit
Card for a 600 - 649 Score
Credit
Cards for Credit Score of 650 - 699 Credit
Cards for a 700 - 749 Credit
Score | 
