Many credit clean up services will actively help you with identifying the errors or disputes in your credit reports that may be affecting your overall score. Challenge these issues by sending a dispute letter to the credit bureaus informing them of the inaccuracies. Within thirty days of doing so, you should expect to hear from the credit bureaus regarding the disputing issues. You should keep track of how many disputes were resolved in favor of you. If you had to file a complaint in court, the process may take longer, but it's worth it if you want to raise your credit score quickly. The credit bureaus need to act quickly to correct inaccurate information on your credit reports, otherwise they risk being sued by the customer.
After you've disputed any inaccuracies or mistakes in your credit history, the credit bureaus will also investigate the claims. This is where credit repair services become important. A reputable credit clean up service can help you raise your credit score quickly and also monitor your credit history to make sure no further negative information is being reported.
The credit bureaus have 30 days to respond to the disputing and counter the claims made. If the credit bureaus don't respond quickly enough to your requests for information or explanation, you should consider hiring a credit repair company to handle the dispute for you. The credit bureaus are not required to do this for you. However, doing so can help raise your credit report score quickly and ensure the bureaus are more cooperative later.
The better-quality credit clean up companies will be able to provide you with the evidence they need to show that the account in question is inaccurate and needs to be removed from your credit reports. They can check it against information available online to verify who the owner is. They can then request that it be removed from your credit reports. This can all be done in a few short weeks. This is better than waiting for months and having to fight for information that's already on your credit reports. You'll likely have to pay for this service, though, but it's worth it if it means the accounts aren't added again for several months.
The credit repair company you hire can also help you with dispute letters and other forms that should be sent to the credit bureaus to prove your claims. The company can also assist you with any court cases or other legal issues you might encounter. These are important things you'll want to be prepared for. If you don't take care of these things, you might find yourself defending yourself against inaccurate reporting from the credit bureaus later.
It's a good idea to have an attorney look over any papers you send to the credit bureaus and review them with your lawyer before you send them. If you find something that looks like a legal issue, but it's really just an unfavorable information, you may still be able to salvage it and get it removed from your credit reports. If you have a bankruptcy on record, the bankruptcy is not removed but it won't affect your credit score. If you have other unfavorable information, though, it's best to have it removed as soon as possible.
Your credit repair company can help you with this and many other tasks, since it's part of their job. When you're looking for a credit repair company, check online for the Better Business Bureau and see if anyone has filed a complaint about the company. The Better Business Bureau will let you know if the credit bureaus are taking steps to discipline the company for any negative actions. You'll be able to see how the credit history has changed since the filing of the complaints, allowing you to see how well the credit bureaus are doing in correcting negative information.