My Credit Score In Houston
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 quote the Bill of Rights or play legal tag with your lawyers. Fixing your credit is not about legal intimidation; it's about these three points:
- Number 2 - Why you are disputing it
- Number 1 - What exactly you are disputing
- Number 3 - What specific results you are seeking
You want each of your dispute letters to have all three of the above elements. Below is an example of how I would write a letter: YOU MUST WRITE A LETTER USING ONLY YOUR WORDS, NOT MINE!!
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:
- Your Address
- Please delete. Thank You.
- Your Social Security Number
- 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
- Dear Credit Bureau Name
- Re: (account and reason for your dispute goes here)
- Your Date Of Birth
Next, pick one of the following 13 reasons for your dispute:
- Account Closed By Consumer
- Incorrect Balance Being Reported
- Account Transferred To Another Lender
- Incorrect Account Designation
- Incorrect Date
- Not Liable For the Account
- Original Creditor Not Listed
- Account Type Inaccurate
- Creditor Classification
- Opened/Not Accurate/Inaccurate Terms
- Inaccurate Remarks
- Obsolete Account
- Inaccurate Late Pays
Using one of these reasons are the simple and smart way to increase your credit score-no threats, law school tryouts or plagiarized credit repair book letter. The beauty of this system is twofold- if the credit bureaus verify your first dispute letter as accurate, then craft a different dispute letter using another reason or item. By providing a different reason for each account with each bureau, you will repair your credit little by little 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, you now have an arsenal with which to dispute each and every negative account on your credit report.
The truth about credit repair is this: Don't spend thousands of dollars on credit courses about credit repair myths. 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 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.
