Fixing Bad Credit: Disputing Inaccuracies and Incomplete Data

You received the free yearly report and have found an error that is negatively affecting your overall score. These scenarios are the purpose behind consumers being given the right to a free report. Many individuals assume they have done something wrong for their data to be loan or credit inhibiting; however, in many cases you could be held back by a simple mistake. Fixing bad credit becomes difficult as the number of delinquencies or other derogatory data increases. A mistake shown by one of the agencies simply makes this process even harder.

Contacting the credit bureau and specific organization are the first actions to take if you find inaccurate information while reviewing your yearly report. Both have a consumer responsibility of investigating the dispute and removing any viable inaccuracies. You can also request an evaluation of any incomplete data being shown. This data must be corrected before further progress can be made in fixing bad credit. The dispute is required to be in writing and will be investigated within thirty days if proven legitimate.

Submit copies of any supporting records along with this additional information:

  • Name
  • Address
  • Social Security Number
  • Clearly Defined Dispute Items
  • All Pertinent Facts
  • Reason for the Dispute
  • A Request for Correction or Removal

It is a good idea to include a copy of the report with the issues circled and to keep a copy of all sent paperwork. The letter needs to be sent by certified mail with a receipt request for date verification. Write the creditor or provider that supplied the information to the agency. Some parties remove the information once intent to dispute has been supplied to them directly. You can request to be copied on all submitted documents if they continue to report the same data. Continued problems will require the additional assistance of a credit repair organization or of legal nature.

TURNSCOR is the industry leading Credit Repair Company that will assist you in fixing bad credit.

No need to invest hundreds or thousands of dollars to pay a lawyer or third party to do what you can do for yourself. This was the sole reason we developed TURNSCOR. The major credit bureaus and creditors would like for you to remain uninformed, thus allowing them to charge you higher rates of interest based on your personal credit scores. This reason alone makes it very difficult to build wealth without a high credit score. Get started today.