Learn How To Build and Repair Your Own Credit
How to dispute your credit report properly and get results
Have you recently rolled into credit repair and gotten no results? A lot of people get themselves into do-it-yourself credit repair, leading to the opening up of several credit repair companies.
However, the results are still slimming down as these companies cannot yield results compared to the old fashioned ones. In this article, we are going to learn why that has been the case and what you can do to start getting better results.
Steps you can take to dispute your credit results and get results
Understand how Escrow works
One of the biggest reasons why people do not successfully dispute or go into the credit process is because they don’t understand how the escrow works. Escrow is software that generates all your dispute letters as they come in and put them under a three-digit code.
It is then the three-digit code that simplifies your dispute sequence and processes it under a certain category. Not understanding what escrow is and how it works has made a lot of people not get the desired results.
Therefore, if you want to yield results from escrow, you should avoid using traditional templates. This is because the escrow system scans every template. Templates yield results initially. However the more you use a template, the less result you are going to yield from that particular content. The plagiarized content that you are using is not going to yield any results.
To achieve better result, therefore, use new templates every time you send the dispute to allow the escrow system to work for you.
Edit your templates
Template is one of the biggest killers when it comes to credit repair results because if you use templates that have been used multiple times, those templates lose credibility power. This can put your investigation under the impression that you are not familiar with how to do the credit repair process.
To achieve the results, you have to edit the templates by wording or paraphrasing to make it sound like your voice. You can add your statements or personalized voice to enable the template to throw the escrow system off and put your letter in the category where it sounds genuine.
Everything about the credit repair process and the credit dispute process has been generally automated.
Suggested offer
Your chance of approval is excellent
Use a proper dispute method
People normally go into the credit repair process as amateurs who don't understand how to strategically dispute the items in particular. They get templates online and then put all the negative items under one particular template only to wish for the best.
In the dispute, there is what is called the verification method: the asking of credit bureaus to verify what’s on your credit report. Everything on your credit report has to be 100% accurate, 100% timely and 100% verifiable. Verifying the debt by the credit bureaus makes your credit report understandable as the burden of proof lies on the credit bureaus and the creditors.
Furthermore, asking them to verify the debt is always up for understanding because it is backed by the FCRA guidelines for them to do it. Anytime you ask them to verify the debt they have to do that and you are probably going to get a response that they verified it.
You don't want them to verify the debt. You want them to open a legitimate dispute on your case which will give you better results.
Use a good strategy
We have software that is designed at the end of the dispute process to give your own customs tailored voice to your dispute process before you send them off. We advise and have a section within the software where you can add your content, question, voice, personal statements to the dispute letter before sending them off.
You can henceforth not only yield better results but also go into a different three-digit code where you can get a genuine response for your investigation.
But this has to be strategic. If you are not being strategic in how you approach your dispute process, you are not going to get the results that you want. You can't put on just a big sheet of paper all over there and ask them to verify or put it under one template and think that is going to work. It might or might not work but you are not giving yourself the full potential of these investigations if you are using their way.
The best way to dispute in terms of strategy is what is called the factual dispute. A factual dispute is finding factual discrepancies that are on the credit report that can give you the credibility to have that item removed.
A lot of times you have to get three of your credit reports from the main bureaus and put them side by side, to look at them and get all of the debt at one side under all the three bureaus. Once you do that, you look for any discrepancies, mistake, of a letter or anything that can prove that the information pertaining to that debt is inaccurate.
For example, if you have 5-5-1 on Equifax and have 3-3-1 on Experian for a particular debt for an account number then that is terms for you to remove it at that point. You screenshot the discrepancy after highlighting it and send that discrepancy along with the dispute letter and personal statement to the credit bureau that is reporting your debt.
Outline and isolate the debts individually so that if one piece of debt has an incorrect date, and another piece has a correct account number, you don’t use the same dispute letters or the same verbiage for those two negative items. Tailor each investigation as opposed to putting them under one umbrella.
Doing it individually will give you better results, especially when you can find the inaccuracies on the credit and show them. That way you can turn around and get the items removed.
Use a good strategy
We have software that is designed at the end of the dispute process to give your own customs tailored voice to your dispute process before you send them off. We advise and have a section within the software where you can add your content, question, voice, personal statements to the dispute letter before sending them off.
You can henceforth not only yield better results but also go into a different three-digit code where you can get a genuine response for your investigation.
But this has to be strategic. If you are not being strategic in how you approach your dispute process, you are not going to get the results that you want. You can't put on just a big sheet of paper all over there and ask them to verify or put it under one template and think that is going to work. It might or might not work but you are not giving yourself the full potential of these investigations if you are using their way.
The best way to dispute in terms of strategy is what is called the factual dispute. A factual dispute is finding factual discrepancies that are on the credit report that can give you the credibility to have that item removed.
A lot of times you have to get three of your credit reports from the main bureaus and put them side by side, to look at them and get all of the debt at one side under all the three bureaus. Once you do that, you look for any discrepancies, mistake, of a letter or anything that can prove that the information pertaining to that debt is inaccurate.
For example, if you have 5-5-1 on Equifax and have 3-3-1 on Experian for a particular debt for an account number then that is terms for you to remove it at that point. You screenshot the discrepancy after highlighting it and send that discrepancy along with the dispute letter and personal statement to the credit bureau that is reporting your debt.
Outline and isolate the debts individually so that if one piece of debt has an incorrect date, and another piece has a correct account number, you don’t use the same dispute letters or the same verbiage for those two negative items. Tailor each investigation as opposed to putting them under one umbrella.
Doing it individually will give you better results, especially when you can find the inaccuracies on the credit and show them. That way you can turn around and get the items removed.
Avoid third party bureaus
Another main reason why those items don’t get deleted is because they go through a stream of bureaus. The main credit bureau pulls your information from another credit bureau like Lexis Nexis. Because it is not going to have a lot of your information, it is going to use a third-party credit bureau to invent that information.
If you can cut off the pipeline between lexis nexus and the credit bureau that is reporting by going to their website and asking for your information to stop being reported and to suppress it, you can have those items deleted easily.
Remove your personal information
Your addresses, date of birth, all that information should be accurate. If you have old addresses, telephone or old employers, a lot of debts can be tied to those old entities. If you have an old address in an application and it is on your credit report, that’s a way for them to verify that that debt is yours.
However, remove the personal information as it is going to give you great results because it cuts off the verification method and process.
About
Contact
Pricing
