Improve Credit Score 100 Points In San Antonio
Improving Your Credit Score isn't that complicated if you listen to good advice. Foremost, your letter to the credit bureaus disputing your bad credit needs to get to the point quickly. Don't quote your lawyer or imply an impending doom for their legal department. Fixing your credit is not about legal intimidation; it's about these three points:
- Number 1 - What exactly you are disputing
- Number 3 - What specific results you are seeking
- Number 2 - Why you are disputing it
Every dispute letter must contain each of the above three elements. Below is an example of how I would write a letter: YOU MUST NOT COPY THIS LETTER WORD FOR WORD!!
If the credit bureaus start getting letters that look exactly alike, then they will dismiss them as some frivolous copy from a credit repair course and kick out the dispute. With that in mind, here is my letter to the credit bureaus:
- Re: (account and reason for your dispute goes here)
- Dear Credit Bureau Name
- Your Social Security Number
- Your Date Of Birth
- Your Address
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
- Please delete. Thank You.
- Your Name
Next, pick one of the following 13 reasons for your dispute:
- Account Transferred To Another Lender
- Incorrect Date
- Inaccurate Late Pays
- Creditor Classification
- Incorrect Account Designation
- Obsolete Account
- Opened/Not Accurate/Inaccurate Terms
- Original Creditor Not Listed
- Not Liable For the Account
- Account Type Inaccurate
- Account Closed By Consumer
- Incorrect Balance Being Reported
- Inaccurate Remarks
Good credit ratings begin with smart reasons-no legalese or complicated form letters taken out of a book on credit repair from your local bookstore. 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 letter gives you an easy way to repair your credit systematically by providing each credit bureau with a different reason for the bad account.
Too many people dispute their bad accounts the only way they have been told to-by saying it is not theirs. Most people think that the only way to dispute an account is by saying it is not mine. However, now you have a store-full of causes. But now you are equipped with an armory of reasons.
Putting it all together: Credit repair myths are abundant; donât believe them. Repairing bad credit is a secret process among the credit bureaus. You should now be empowered with good information and avoid the bad. 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.
