how to get a credit score

To dispute Experian you must compose a dispute letter and mail it to them. Upon receipt of your letter they will investigate the disputed item.

The first step though is to get a copy of your credit report. You can get a free credit report once a year from each credit bureau. I suggest you go to annual credit report, they will provide you with your free copy.

When you have your credit report you must identify what listings are inaccurate or incorrect. These will be the listings that you dispute.

You will dispute the items by creating your dispute letter and mailing it to Experian credit bureau. Once they receive your letter they will determine if it is valid or invalid.

If your dispute is considered invalid you will get a letter from them requesting additional information about the dispute. You need to respond and provide them with the information requested.

However if your dispute is found valid they will conduct an investigation. During an investigation they will contact the creator of the listing and ask them to verify the account, the dates, and the amounts.

It has been found that investigations will often result in a listing being removed. This is a result of many businesses being unwilling to spend the resources verifying disputed debts.

A credit repair service can also be hired to remove negative credit from your report. With this option you only need to identify the marks you wish to dispute and the service will do the rest.

In case an item is verified then a credit repair service can be very helpful because they have advanced dispute techniques. These include; creditor direct intervention, escalated dispute information requests, and debt validation.

I suggest do it yourself credit repair if you have only minor damage on your report, however if you have multiple marks I suggest a credit repair service. I also suggest a service if you are having trouble submitting a valid dispute or you have had a mark verified that should be removed.

Be aware that you must send a dispute letter to each credit bureau. If you do not you may remove a negative mark from your Experian credit report however this mark will still be on your Equifax and Transunion credit report.

In sum you can remove bad credit items from your credit report. To do this you must dispute the item with each credit bureau.

how to get a credit score

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For a free credit repair letter to dispute bad credit items on your credit report or to learn about how you can dispute midland credit a common collection agency visit us.

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