Disputing credit reports is essential to lowering your overall debt and raising your credit score. However, the way that consumers go about credit repair often doesn't help them towards a better credit profile. Some of the essential mistakes include not disputing in writing and giving up after the first request for information. Debt collection agencies don't want to close your accounts or remove negative information even if it's false. That's why it's important you follow your credit report changes closely and never allow a creditor to make false claims against you.
Credit reports alter so many factors about people's lives. Lexington law has seen this firsthand and began helping people with credit issues. They've helped so many people raise their credit scores and get better rates for their mortgages, loans and car financing. If you have trouble with your credit, it's essential that you hire a debt counsel with legal experience as many debt collection agencies won't be able to prove that false information is correct when faced with legal action.
If you have a low credit score or just want your credit to look flawless, work with a legal counselor to ensure that debt collection agencies are fairly reporting your payments and settlements. You can increase your credit score in a matter of months just by getting negative accounts removed through disputing charges. This process is also completely free. All you have to do is get your free credit report from one of the credit bureaus to get started.