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Showing posts with the label creditreport

How To Write An Effective 604 Credit Dispute Letter

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This blog post is intended for people who can't afford my paid credit repairs services but don't mind going through all the hassle of fixing credit. They will find the advanced method credit bureau dispute letters with detailed instructions and guidance in my 15-years of credit repair experience. Let's face the facts, it can be overwhelming and confusing to try to repair or remove a late payment of 30 days. It can be difficult to know how to properly dispute. -- Credit Bureaus may disregard your disputes Creditors continue to verify your challenges If you have hired Lexington or a credit repair agency, it is possible that: You've spent $1000+, but there were no upfront fees They make ineffective credit bureau disputes or goodwill requests You find yourself back at the exact same place you started! Do you still want to learn how to do it? Good. This will require attention to detail but it will be worth it if you take the time to learn. Here's the scoop: Consumers can...

How To Dispute Late Payments On Your Credit Report

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How To Dispute Late Payments On Your  Credit Report You know the damage a late payment can do to your credit score if it is reported on your credit reports. Your credit rating will improve with time. With a little effort and time, late payments may be removed completely from your credit score. This article will discuss the impact late payments can have on your credit score and how they stay on your credit report. I also show you how I removed four late payments from my credit report in less than a month. What is the average length of late payments remaining on your credit report? Late payments are part of your payment history. They account for 35% of your overall FICO credit score. Just like other account information, late payments will be on your credit report for a period of seven years. A late payment can have a greater negative impact on credit scores than it does initially. As the debt accumulates, its negative impact diminishes each month. One 30-day late payment is not something...