Improve Credit Score After Bankruptcy In Houston
Improving Your Credit Score isn't difficult when you follow 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 3 - What specific results you are seeking
- Number 2 - Why you are disputing it
- Number 1 - What exactly you are disputing
Every letter of dispute must contain these three points. Look at this example of a dispute letter to see what I mean: DON'T USE THE EXACT WORDS OF THIS LETTER!!
Credit bureaus are savvy about credit repair course letters and will dismiss what looks like frivoulous letters. That said, here is an example of a letter to send to the credit bureaus:
- Your Name
- Dear Credit Bureau Name
- Re: (account and reason for your dispute goes here)
- Please delete. Thank You.
- Your Date Of Birth
- 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
- Your Address
When you write the letter, use one of the 13 reasons below for disputing the bad account:
- Account Type Inaccurate
- Creditor Classification
- Incorrect Date
- Account Closed By Consumer
- Account Transferred To Another Lender
- Inaccurate Remarks
- Inaccurate Late Pays
- Obsolete Account
- Incorrect Account Designation
- Opened/Not Accurate/Inaccurate Terms
- Incorrect Balance Being Reported
- Not Liable For the Account
- Original Creditor Not Listed
Good credit scores start with good reasons of dispute like these, no legal mumbo jumbo or plagiarized boiler plate letter that they've seen hundreds of times. This letter has potentially powerful benefits-if the first reason is verified by your dispute letter, then write a second letter citing a different reason on the list. Fixing your credit one piece at a time is simple when you provide a different reason for each account with each credit bureau.
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.
The truth about credit repair is this: There are many myths disguised as truths when it comes to credit repair. And there are many secrets within the credit repair system that you cannot know without the help of a qualified expert. Now that you are informed, it is my hope that you will avoid becoming a victim of false information as you restore your credit. 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.
