How To Get A Good Credit Score In Austin
Improving Your Credit Score isn't that complicated if you listen to good advice. First, your letter of dispute with the bureaus needs to be short and concise. Don't send lawsuit threats or quote supreme court decisions. Fixing your credit is not about legal intimidation; it's about these three points:
- Number 3 - What specific results you are seeking
- Number 2 - Why you are disputing it
- Number 1 - What exactly you are disputing
Every dispute letter must contain each of the above three elements. Below is an example of how I would write a letter: DO NOT COPY THIS LETTER WORD FOR WORD!!
If the credit bureaus receive hundreds or thousands of the same letter, they will consider your letter frivolous and possibly dismiss it the dispute.That said, here is an example of a letter to send to the credit bureaus:
- Your Date Of Birth
- Your Address
- Your Name
- Dear Credit Bureau Name
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
- Your Social Security Number
- Re: (account and reason for your dispute goes here)
- Please delete. Thank You.
As you write the letter, choose one of these 13 reasons:
- Not Liable For the Account
- Inaccurate Remarks
- Creditor Classification
- Original Creditor Not Listed
- Incorrect Account Designation
- Opened/Not Accurate/Inaccurate Terms
- Obsolete Account
- Account Closed By Consumer
- Incorrect Date
- Incorrect Balance Being Reported
- Account Type Inaccurate
- Inaccurate Late Pays
- Account Transferred To Another Lender
Credit restoration begins with one of these targeted reason of dispute-no threats, no wannabe legalese, and no boiler plate letter from some cheesy, outdated credit repair book. The benefits of this system can be powerful because if the credit bureau approves of the first reason, you can send them a second letter citing another reason from the list. This simple method will repair your credit a little bit at a time by providing a different reason for disputing the faulty account with each credit bureau.
You might have been lured into believing that disputing your account as "not yours" would be the best way. However, now you have a store-full of causes. But now you are equipped with an armory of reasons.
The truth about credit repair is this: Credit repair myths are abundant; donât believe them. There are also hidden secrets that the credit bureaus don't want you to know about how to fix your credit and only a select few have this knowledge. I hope you can now begin restoring your credit with effective methods rather than false myths. For More Information on credit repair Click the link below and go to our website. Author Bio: Mark Garcia will teach you how to Improve Your Credit Score fast with his FREE Instant Access to a 3 minute video about his own credit repair story. You can also download a special report on the "10 Most Dangerous Mistakes That People Make When Trying To Fix Bad Credit" available at Crushing the Credit Bureaus.
