Improve My Credit Score In Midland, Tx
Improving Your Credit Score is not that difficult if you follow competent advice. First, your dispute letter to the credit bureaus needs to be short and to the point. 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 2 - Why you are disputing it
- Number 3 - What specific results you are seeking
- 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: 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:
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
- Your Name
- Re: (account and reason for your dispute goes here)
- Please delete. Thank You.
- Your Date Of Birth
- Dear Credit Bureau Name
- Your Address
- Your Social Security Number
Below are the 13 reasons from which you can choose to dispute your bad account:
- Inaccurate Late Pays
- Incorrect Date
- Opened/Not Accurate/Inaccurate Terms
- Original Creditor Not Listed
- Incorrect Account Designation
- Not Liable For the Account
- Account Type Inaccurate
- Account Transferred To Another Lender
- Creditor Classification
- Incorrect Balance Being Reported
- Account Closed By Consumer
- Inaccurate Remarks
- Obsolete Account
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. 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. When you provide a different reason to each bureau for each bad account, you will repair your credit one by one.
Most credit repair books will tell you to dispute the account as not being yours and then hope that the bureau will not respond to your claim within the required 30-day period (like the credit repair books tell you to do). But now you are equipped with an armory of reasons.
To sum up: The commonly-accepted myths about credit repair are just not true. And there are many secrets within the credit repair system that you cannot know without the help of a qualified expert. I hope you will begin to fix your credit using tested reasons, rather than flimsy ones. 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.
