Credit Score Repair Strategy #1 is to Dispute the Accuracy of Accounts that have late payments

A recent 30 day late payment is much worse than an Old bankruptcy.  To dispute late payments you need to write a letter that states three things.

First,  “name of creditor and number of account you are disputing” 

Second, the reason for the dispute.

And third, what you want them to do. 

What should you “dispute?”

That’s the key question. Most people state that specific credit report accounts “are not theirs” or “inaccurate” – but you have a better chance of removing the credit report item if you give some details. Look at every tiny piece of data on your credit report for each account…there are lots of things to dispute to increase your score….

Force the Credit Bureaus to confirm data on your credit score like - Date of late payment, current balance, High limit, name of creditor, date account opened and other missing or erroneous information with the original creditor. The credit bureaus probably won’t do this correctly within the 30 day period required by law, and then you can demand removal. 

Make sure that your credit report dispute letter includes your name, address, and social security number – and that you send only one letter per line item/account per Credit Bureau.  If you lump all the credit report accounts you are disputing in one letter, the Credit Bureaus may be able to disregard your dispute as “frivolous.”

…that’s today’s credit repair strategy.  You can start repairing your credit score today, and we are happy to help you and your family. Thanks for listening and have a wonderful day.

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