How to Remove Inaccurate Information From Your Credit Reports...and Increase Your Credit Score!
Stephen Snyder
November 28, 2007
I want to explore the one of the most important action you can take to increase your credit scores: removing inaccurate negative information from your three credit reports.
Be warned: should you decide to tackle this process yourself, it can be time consuming and frustrating.
What the Credit Reporting Agencies are Legally Required to do on Your Behalf when You Ask
The credit reporting agencies are required by federal law to remove inaccurate information from your personal credit reports free of charge. However, nowhere in the law does it say they have to make it easy for you.
Because the credit reporting agencies can't charge you to remove inaccurate information from your credit reports, they make you jump through hoops...climb over walls...and inconvenience you in any way possible to accomplish this.
And just try calling them and getting through their phone menus. Sheesh!
How to Increase Your Credit Scores by Removing Inaccurate Information from Your Credit Reports
The concept is quite simple...
you want to make sure there is no inaccurate, outdated, misleading, incomplete, or unverifiable information on your credit reports...especially if it's negative.
Any negative inaccurate information that appears on your credit reports can have a dramatic impact on your credit scores.
And by dramatic, I mean bad.
Be warned: should you decide to tackle this process yourself, it can be time consuming and frustrating.
What the Credit Reporting Agencies are Legally Required to do on Your Behalf when You Ask
The credit reporting agencies are required by federal law to remove inaccurate information from your personal credit reports free of charge. However, nowhere in the law does it say they have to make it easy for you.
Because the credit reporting agencies can't charge you to remove inaccurate information from your credit reports, they make you jump through hoops...climb over walls...and inconvenience you in any way possible to accomplish this.
And just try calling them and getting through their phone menus. Sheesh!
How to Increase Your Credit Scores by Removing Inaccurate Information from Your Credit Reports
The concept is quite simple...
you want to make sure there is no inaccurate, outdated, misleading, incomplete, or unverifiable information on your credit reports...especially if it's negative.
Any negative inaccurate information that appears on your credit reports can have a dramatic impact on your credit scores.
And by dramatic, I mean bad.
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