Are you looking for strategies for improving your credit score? The one I’m going to describe here is called “The Blitz” and, done correctly, the Blitz will boost your credit score in less than a week.
First of all, you need to obtain a copy of all the bureaus’ credit reports. The three bureaus are TransUnion, Experian, and Equifa. You can get a free copy of each once a year.
Make copies of the reports and put the originals in your filing cabinet. Then take out the copies and go through the reports with a pencil. Note the following:
o Incorrect late payments
o Incorrect charge-offs
o Incorrect collections
o Credit limits reported as lower than they actually are
o Any accounts incorrectly listed as
o Or anything other than “current” or “paid as agreed”
o Accounts listed as unpaid that were included in a bankruptcy
o Negative items older than 7 years which should have automatically fallen off your report (note: bankruptcies stay on for 10 years).
Once you have done that, follow up with the finance company that made the marks. You can do this via mail or email. If you need to provide documentation, you may need to do it by mail. Email, however, sometimes gets a quicker response.
If you do not get a satisfactory resolution to your problem in a reasonable period of time, file a dispute notice with all of the credit reporting companies where the black mark appears.