Is there a way to repair my credit score if there is wrong information on my credit report?

Question

Ok, so here's the deal... I finally want to buy a home, and I pulled my credit report... Yikes! I'm not saying that I paid all of my debts on time, because I didn't. However, that was a long time ago and the information can only stay on for so long right? Most of the information on there isn't even accurate! I know I can dispute it myself but I just am too lazy.

Answer 1

You can dispute negative items yourself by ordering free copies of your credit reports and then sending dispute letters to each of the credit bureaus. However, if you are like most people and don't have the time to learn the applicable consumer credit laws or the time to experiment with the tactics for repairing your own credit, you can use one of the many legitimate credit repair organizations out there.

Lexington Law is the premier credit repair firm is the industry. They have been around for almost 20 years and have helped over 500,000 people repair their credit. If you are still shopping for a credit repair service, make sure you at least give them a call to discuss your options. The number on their site is 1-800-214-0922.

Answer 2

The cheapest route is to order each individual credit report from all three credit bureaus. Equifax,Trans Union, and Experian. After receiving the reports you can log on line using the confirmation number located on the credit report to each individual credit Bureau and dispute the inaccurate info. The credit bureaus have up to 45 days to investigate and response back to you with the results. . I am a Senior Mortgage Specialist that is licensed in the state of GA and AL. Just contact your local mortgage broker and they can assist you with what you need to do. Good Luck!!!

Answer 3

Yes, you will have to contact each credit reporting agency and dispute the wrong data.  There is no other way.

Answer 4

How To Repair Credit

Start by getting copies of

your credit reports. You

have a right to free reports.

You are allowed one a year

from each of the bureaus:

Annualcreditreport.com,

Transunion, or Equifax.

"Why get a credit report?"

Several people asked.

It describes what needs

repairing. Check off any

information that's incorrect.

Start making telephone calls,

writing letters, or take the

necessary steps to get it

repaired.

Full post at:

Answer 5

The only way is to dispute any ofthe reportings, and document why they are inaccurate. Otherwise, there is nothing you can do.

Answer 6

Being lazy isn't going to get you anywhere. If you're okay with the errors on your credit, then be lazy. If not, you're going to have to pursue disputing those errors. Receipts, invoices, and printed documents from the companies are all good ways of proving your case. It might be a lengthy process, but it's worth improving your credit over.

Answer 7

You can do research on hiring the services of a credit repair company. be cautious and choose a reputable company. In my research law firms seem to acheive the best results because the credit bureus seem to take the dispute letter more seriously if they are coming from an attorney. also they seem to be the most reputable and legit becuase most lawyers would not put thier license and reputation on the line to make a quick buck. I would suggest looking into creditlawgroup.com they have an excellent better bussiness buruea record and charge reasonable rates to represent you.

Answer 8

Dispute the inaccurate information with the credit bureaus.  You don't need a special form or lettter. You don't even need to use complete sentences to describe why you are disputing.  Just say I'm disputing the following items.  Then list the item and give a very brief reason for the dispute -- ie, not mine, beyond 7 year reporting period, etc.

Negative items stay on your credit report for 7-1/2 years from date of first deficiency.  This is per the FCRA and nothing restarts the clock.

Before you waste money signing up for some credit repair company, read this:  http://www.ftc.gov/bcp/conline/pubs/cred...

Answer 9

Yes there is.  What you have to do is write letters to those creditors that are appearing on your credit report.  You should make a copy of the letter and also request a response.  Bring to their knowledge that you have paid off those debts and that they are still appearing on your credit report.  It will then be up to them to have the items removed.  If they do not respond to the letter, You should dispute the charges by calling and writing a letter to the all three credit bureaus, TransUnion, Equifax, and Experian. Equifax is 1-800-685-1111, Experian is 1 888 397 3742, and TranUnion is 1-877-322-8228.  I hope that this helps.