Monday, March 8th, 2010 at
7:15 pm
My Credit Score
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. Instead of being a junior legal eagle, just make sure that each of your dispute letters have these three elements:
- Number 2 - Why you are disputing it
- Number 3 - What specific results you are seeking
- Number 1 - What exactly you are disputing
You want each of your dispute letters to have all three of the above elements. Take a look at this example of a simple dispute letter: DON'T USE MY WORDS!!
If the credit bureaus receive hundreds or thousands of the same letter, they will consider your letter frivolous and possibly dismiss it the dispute.That said, here is an example of a letter to send to the credit bureaus:
- Your Name
- Your Social Security Number
- Dear Credit Bureau Name
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
- Re: (account and reason for your dispute goes here)
- Please delete. Thank You.
- Your Date Of Birth
- Your Address
As you write the letter, choose one of these 13 reasons:
- Incorrect Date
- Account Transferred To Another Lender
- Not Liable For the Account
- Incorrect Account Designation
- Original Creditor Not Listed
- Account Closed By Consumer
- Opened/Not Accurate/Inaccurate Terms
- Creditor Classification
- Incorrect Balance Being Reported
- Inaccurate Remarks
- Account Type Inaccurate
- Inaccurate Late Pays
- Obsolete Account
Improving credit scores begins with a smart reason of dispute-no more playing lawyer or credit repair student with plagiarized textbook form letters. This letter has two benefits- if the credit bureaus accepts your reason, then send them another dispute letter using a different reason on the list. When you provide a different reason to each bureau for each bad account, you will repair your credit one by one.
You might have been lured into believing that disputing your account as "not yours" would be the best way. But by being an informed consumer, you now have a treasure trove of reasons to choose from.
Putting it all together: Don't believe the myths that credit courses push on you. In addition, restoring your bad credit is a secret process within the credit agency system that only a handful of qualified repairmen know. You should now be empowered with good information and avoid the bad. 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.
Monday, March 8th, 2010 at
7:15 pm
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.
Monday, March 8th, 2010 at
7:14 pm
How To Get A Good Credit Score
Improving Your Credit Score is easy when you follow people in the know. First, your letter of dispute with the bureaus needs to be short and concise. Don't cite the constitution or threaten them with a lawsuit. Fixing your credit is not about legal intimidation; it's about these three points:
- Number 1 - What exactly you are disputing
- Number 3 - What specific results you are seeking
- Number 2 - Why you are disputing it
Every letter of dispute must contain these three points. Here is an example of such a letter: Below is an example of a dispute letter that I would write: DO NOT COPY THIS LETTER WORD FOR WORD!!
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
- Your Address
- Your Date Of Birth
- Please delete. Thank You.
- Your Social Security Number
- Dear Credit Bureau Name
- Re: (account and reason for your dispute goes here)
- I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
As you write the letter, choose one of these 13 reasons:
- Obsolete Account
- Incorrect Balance Being Reported
- Account Transferred To Another Lender
- Not Liable For the Account
- Original Creditor Not Listed
- Creditor Classification
- Inaccurate Late Pays
- Opened/Not Accurate/Inaccurate Terms
- Incorrect Date
- Inaccurate Remarks
- Incorrect Account Designation
- Account Type Inaccurate
- Account Closed By Consumer
Improving credit scores begins with a smart reason of dispute-no more playing lawyer or credit repair student with plagiarized textbook form letters. 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. 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, you now have an arsenal with which to dispute each and every negative account on your credit report.
To sum up: The commonly-accepted myths about credit repair are just not true. In addition, restoring your bad credit is a secret process within the credit agency system that only a handful of qualified repairmen know. You should now be empowered with good information and avoid the bad. 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.
