Dispute credit card items and raise your score.

Found something on Your credit reports that’s not yours? Follow these simple steps:

Step 1

Provide the following with proof:

1. Name
2. Other Name(s)
3. Address
4. Telephone Number(s)
5. Drivers License (make a copy of both sides)
6. Social Security Number (make a copy of both sides)
7. Date of Birth (mm/dd/yy)
8. Employer Information

Step 2

Enter detailed dispute account information. Include any proof you might have, such as:

Company name, Account #, and

Reason the information is inaccurate:

• This is not my account
• I have never paid late
• This account is in bankruptcy
• This account is closed
• I have paid this account in full
• I paid this before it went to collection or before it was charged off

Other Reason:

Providing proof will always increase your chances of success!

Step 3

Mail your Letter to all 3 Major Bureaus.

Step 4

Once you submit your dispute:

• Credit Bureaus will contact the company that provided the information (lender or public record source) with a request to verify the accuracy of the information.
• The company will then advise The Bureaus whether any changes should be made to the information.
• Usually within 30 days of the date a request is received, a report reflecting the results of the investigation will be mailed to you

Step 5

Not happy with the response? Think it’s not fair? Communicate (and follow thru) you will go to your congressional representative or file a direct lawsuit against the bureau.
If done honestly and properly, the removal of most kinds of negative credit items can be a success. If you do not want to go this road alone, call me for a FREE phone consultation at 201-661-8330.