Ep. 128 - Your Credit Score Could Be Down 200 Points (or more) Because Of This

I know that you get them to…..the most annoying phone calls.   I don't know how I got on the list but I continue to get these spam calls….'there is a dispute on my credit report'.   I know that this is a junk call, but what if there is something on your credit report..a collection, some dispute, how do you get it removed?   How is your credit score determined? What is your real credit score?   If you do have some sort of collection claim on your credit report and it is false or you have taken care of the issue, how do you get it removed?   You should pull your credit report at least once a year to check for correct or incorrect information. If you find incorrect information, you will need to dispute this data with each credit bureau.     In your letter you will want to include your full contact information; your name, address, phone number, copies of your credit report with incorrect information highlighted, a comprehensive explanation of why the information is incorrect.   You want to include everything you can in this formal request.   Expect to wait at least 30 days after a dispute for the credit bureau to investigate and make changes to your credit report. Resources: https://www.annualcreditreport.com/index.action https://www.consumerfinance.gov/   Check out my YouTube channel here. Follow me on Twitter and Instagram.