Okay Friends & Family… I am going to make it simple for you.
First, go to https://www.annualcreditreport.com/index.action to retrieve your credit report.
Second, use the following letter as a template to dispute discrepancies on your credit report:
P.O. Box 7740256
Atlanta, GA 30374
To Whom It May Concern:
I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains (see list below). I am requesting, under the provisions of the Fair Credit Reporting Act (FCRA), 15 USC section 1681i, that you investigate the following accounts:
Accounts / Reasons
ABC dumb Finance / This collection is not my account
ScamUniversity / I never made a late payment on this account, please correct 555666777
I understand failure to investigate these accounts within a period of thirty days will result in “non-verification” which requires the above accounts be immediately removed from my credit file.
I also understand that the Fair Credit Reportig Act – specifically 15USC sections 1681i(d) and 1681i – requires that I receive both written notifications of the appropriate corrections and updated reports at no charge.
Thank you for your time and attention this matter. I look forward to hearing from you soon.
INSERT YOUR NAME
Third, mail your dispute letters to the bureaus below. Include a copy of your social security card and drivers license for best results.
P.O. Box 740256
Atlanta, GA 30374-0256
P.O. Box 2000
Chester, PA 19016
P.O. Box 4500
Allen, TX 75013
*****Additional Resources Below*****
To increase your score faster, get a secured credit card from the following site: https://www.capitalone.com/credit-cards/secured-mastercard/
Never use over 30% of your limit. If your credit card limit is $200, never use over $60.
If you prefer to have a professional do the work for you please go to the link below and click on the “Products” tab, FES Protection…enroll now. https://www.financialeducationservices.com/default.aspx?rid=LEubanks1