Ways To Improve Credit Score In San Antonio
Improving Your Credit Score isn't difficult when you follow good advice. First, your dispute letter to the credit bureaus needs to be short and to the point. 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 3 - What specific results you are seeking
- Number 1 - What exactly you are disputing
- Number 2 - Why you are disputing it
Write every dispute letter with these three points. Take a look at this example of a simple dispute letter: DON'T USE MY WORDS!!
Credit bureaus don't like letters that appear to be copied out of a credit repair course. That said, below is a sample letter to the credit bureaus.
- Re: (account and reason for your dispute goes here)
- Dear Credit Bureau Name
- Please delete. Thank You.
- Your Date Of Birth
- Your Name
- 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
Next, choose one of the 13 reasons below to enter into your dispute letter:
- Incorrect Date
- Inaccurate Late Pays
- Inaccurate Remarks
- Incorrect Account Designation
- Account Closed By Consumer
- Account Type Inaccurate
- Obsolete Account
- Creditor Classification
- Not Liable For the Account
- Opened/Not Accurate/Inaccurate Terms
- Original Creditor Not Listed
- Incorrect Balance Being Reported
- Account Transferred To Another Lender
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 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. When you provide a different reason to each bureau for each bad account, you will repair your credit one by one.
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. But by being an informed consumer, you now have a treasure trove of reasons to choose from.
To sum up: 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. I hope that you are now armed with the knowledge of truth so that you won't fall victim to false information as you improve your credit score. 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.
