Learn how to dispute negative items on his credit report and how long it takes to repair your credit. Also see suggestions of things to dispute on your credit report.
Fixing your own credit score may seem like a daunting, drawn-out process, but it is possible. It may take some time, but the results will be worth it. On average, once you start the dispute process, you can expect it to take three months to a year, depending on the current state of your report, to finally get resolved.
Why so long?
You need to send a dispute to each credit bureau, and every one of them can take up to 30 days to process the dispute and get back to you. It's important to note that you can also repeat your disputes for certain entries in the report, but you will need to provide a new reason for the request. However, as long as you do have a new, valid reason, the bureaus are required to investigate.
You can also send your dispute letters directly to the collection agencies and credit card companies. Depending on your situation, this may be a good way to go. They are also required to respond to you within 30 days.
The reasons for disputing entries in your credit report could include: expenditures that are not yours, payments that were not actually late, a high balance that is wrong, or the opening date of the credit card or loan being incorrect.
Be patient and persistent and many problems can be fixed. Learn more at www.creditinfocenter.com.