Guide to Dispute Negative Credit: 15 Steps to Get Results
Get strategies and tips to successfully dispute negative credit, collections, charge-offs, late payments, errors, and outdated information.
Credit Repair
You have the right to dispute any information in your credit files that you believe is inaccurate. Anything a credit repair company can do legally to fix your credit – you can do yourself. Get started.
How to Repair Credit: A Guide to Better Credit
Ultimate free guide on how to repair your credit with strategies to remove negative credit items and add positive credit to improve scores.
Credit Freeze: Steps to freeze Equifax, Experian and Transunion credit reports
With data breaches running rampant, a credit freeze can help prevent identity thieves from opening new accounts in your name.
Dispute inaccurate information directly with the source
The creditor that furnishes negative information to a credit report is obligated to investigate consumer disputes under the Direct Dispute Rule. Go directly to the source (the creditor) to dispute inaccurate credit report items.
5 Actions to take if you have scary credit
Bad credit, no matter how scary, should be dealt with. Don’t let bad credit frighten you to the point where you do nothing. Good credit does not happen by accident.
How to remove late payments from credit reports
How to remove late payments from credit reports – even when you have legitimately earned that late payment notation.
Goodwill Letters: Do they still work with creditors?
Goodwill letters still work even if the creditor says it’s against the law to delete a negative item. It’s not against the law, keep pursuing
What is Identity Theft: 5 Steps to Clear Up Your Credit
What is Identity Theft: Find out the different categories of identity theft and how to recover your credit and good name if you are a victim. There are resources that simplify and speed up the recovery process.
Remove date of charge-offs doesn’t change and cannot be extended
Creditors can choose when to report a charge-off but the remove date of a charge-off doesn’t change, it’s 7.5 years from the last payment.
First Step to Credit Restoration and Possibly the Only Step if it Works
You don’t need a credit restoration company to navigate the dispute process, start with this simple first step to remove derogatory items.
