How to Handle A Credit Repair Dispute

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credit repair dispute

When attempting to rectify and improve your credit score, there are numerous things that need to be done. It is imperative to make sure that your credit report is actually accurate. In order to do this, you will need to obtain a report and potentially file a credit repair dispute. Within this guide, you will discover everything you need to do to make this happen.

Obtaining Your Reports

It is essential to know that there are three agencies, which are responsible for maintaining credit histories. Also, you can obtain a report for free each year. Therefore, you will want to obtain your report from each of the three agencies, which can be completed, without spending anything! Once you’ve obtained your reports, you’ll want to look over them very closely! Make sure that nothing is erroneous. However, if you do find errors, you will need to proceed ahead and learn how to dispute them!

Filing A Credit Repair Dispute

Once you’ve learned of the errors on your report, you will need to find evidence that can prove that they’re in fact errors. Once you’ve done this, you will want to file a dispute with the credit agency. If you’re able to prove the error, it will be completely removed from your record and your credit score will improve! If the error has spread to other agencies, you will need to make sure to report repeat the process with those agencies, as well.

Taking Additional Steps 

While you’re at it, you will want to begin taking additional steps to improve your credit score. With your reports in hand, you will be able to find out whom you owe and how much you owe them! It is high time to begin paying off these debts. Although this might be stressful and time consuming, it is essential to follow through or your credit score will never improve!