My Credit Score In Houston
Improving Your Credit Score isn't difficult when you follow good advice. First, write a letter disputing your claims that is super short and concise. 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 dispute letter must contain each of the above three elements. Take a look at this example of a simple dispute 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:
- 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 Name
- Re: (account and reason for your dispute goes here)
- Please delete. Thank You.
- Dear Credit Bureau Name
- Your Date Of Birth
- Your Address
Next, pick one of the following 13 reasons for your dispute:
- Account Closed By Consumer
- Original Creditor Not Listed
- Obsolete Account
- Inaccurate Late Pays
- Account Type Inaccurate
- Incorrect Account Designation
- Inaccurate Remarks
- Opened/Not Accurate/Inaccurate Terms
- Incorrect Balance Being Reported
- Not Liable For the Account
- Account Transferred To Another Lender
- Creditor Classification
- Incorrect Date
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one of these targeted reason of dispute-no threats, no wannabe legalese, and no boiler plate letter from some cheesy, outdated credit repair book. 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.
Before reading this article, you might have told them that the account is "not yours" (as most credit courses instruct you to say) and prayed that they won't be able to verify it in the 30-day time limit. However, now you have a store-full of causes. But now you are equipped with an armory of reasons.
To sum up: Don't believe the myths that credit courses push on you. Credit bureaus also have secrets about how to navigate the credit disputation system that only a handful of experts know. 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.
