FLorida – The next step in your path to an improved credit score is to do what they say on the shampoo bottles: Rinse and Repeat.
In the Rinse and Repeat phase, you just keep working their system.
Here’s what I mean: You send in a dispute, maybe disputing the date that the account was opened, and the credit reporting bureau can’t verify it, and they pull the whole listing off your report!
You can’t keep submitting the same dispute reason over and over again to the bureau – they will view you as a nuisance and will dismiss your disputes as frivolous.
Also, don’t bombard these folks with your disputes – you won’t get the desired results. But, you can dispute information that needs to be verified. The suggested order of ways to dispute are:
- Not my account
- I didn’t pay late that month
- That is the wrong amount
- That is the wrong account number
- That is the wrong original creditor
- That is the wrong charge-off date
- That is the wrong date for the last activity on the account
- That is the wrong balance
- That is the wrong credit limit
10. That is the wrong status of the account
11. That is the wrong highest amount I owed at any time (High Credit Amount)
You can challenge the same listing on your credit report in the Rinse and Repeat phase. The first time, you might say “not my account” and the next time you would say “I was never late.”
You just never know when you’ll find the dispute that gets the listing taken off of your credit report. Send your dispute in, and let the 30 day clock run.
But, like I said before – don’t bombard them immediately after getting your results. Wait 60 days between disputes. Keep excellent records of your efforts. Be persistent, be insistent, and more than likely it will pay off.
Thinking about buying a Fort Lauderdale Home? I can help and consult you buying your property by providing you the right tools to make an educated buying decision. Send me an e-mail at info@FloridaConnectsInc.com. I will contact you for a free consultation.
When we talk, I will explain how the buying process works in detail and answer any questions you may have. Or, if you prefer, you can call us in Fort Lauderdale at (954) 586-3930 and Tallahassee at (850) 364-3946.
Thanks for reading this, Annett T. Block.
Annett is a Real Estate Agent/ Real Estate Broker at Florida Connects Incorporated.
FTL Phone: (954) 586-3930.
TLH Phone: (850) 364-3946
View My homes for sale at www.FloridaConnectsInc.com
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
The views expressed here are Annett T. Block’s personal views and do not reflect the views of Florida Connects Incorporated.
This information on Fixing Credit To Buy A Florida Home Step 9: Rinse & Repeat is provided as a courtesy to our viewers to help them make informed decisions.