Question by : I have all 3 of my current credit reports. How can I hire someone to look them over and tell me what to do?
My credit is horrifying. Unfortunately, it’s a little hard for me to understand my credit reports. I want to find out which items I can have removed or dispute.

Best answer:

Answer by Billy Shat
Go to your bank and have the personal banker look them over with you. They’ll do it for free.



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Question by Jim J: What words should I use to dispute incorrect reporting date, balance or credit limits on my credit report?
Should I aim to get it completely deleted by stating it’s not mine? If not, how specific do I need to be with what is incorrect within a credit report listing?

Best answer:

Answer by Brad F
The wording doesn’t really matter, just state the reason. If you file too many disputes on one report, the attribute bureau may consider it a frivilous report and treat it as such. But if you submit it with evidence proving the are truely errors, they must investigate it.This site also provide some tips about this -http://buildcredit.ifastnet.comTake care.



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Question by Big “O”: How do I dispute negative items on my credit report?
I have one negative item on my credit report. How do I dispute this item? I have heard that if you dispute an item and that particular company does not acknowledge it can be removed from the report all together. Is this true, and how do I go about doing this? The negative item is from Mac Tools Distribution, if that will help. There is an address on my report although there is no phone number. Do i need to call them, or a different source?

Best answer:

Answer by crystal_lipp
Go to this site – it has a form and instructions on how to dispute the entry. http://www.oskie.com/credit-dispute.htmHope this helps!!



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