The fastest and most affordable way to raise your credit score right now

Updated July 6, 2019  ·  4 min read

Written by:

Loyd Blankenship

Editorial Note: DisputeBee is a credit repair software platform that helps with the removal of inaccurate or erroneous negative items from credit reports, for individuals as well as credit repair professionals. To try us out, get started by signing up here.

Any time you apply for some form of credit or a loan, someone is checking your credit report. And if you have a low credit score, it's game over. You won't get approved.

The good news is that, yes, you CAN increase your credit score - plus it's not hard, and it won't cost you a fortune. How do I know? Because I've been helping people fix their credit for years. I help people achieve their financial goals that allow them to live the life they've always wanted, and to live the life they deserve.

So listen carefully, because I'm going to tell you EXACTLY what to do to raise your credit in the quickest, most efficient, and affordable way possible.

Removing Negative Items Is The Fastest Way To Raise Your Credit

The two most common negative items on your credit report that hurts your score are collections and inquiries.

First let's talk about inquiries. These are what show up on your credit report every time you apply for credit. Inquiries will remain on your credit report for up to 2 years, and can lower your score by 3-7 points per inquiry. Plus, if you have too many inquiries on your credit report within the last 6 months (like more than 5-6), this alone could get you denied for loans, credit cards, mortgages, etc.

Now onto collections. These show up on your credit report once you've failed to make payments on an account for more than 6 months. Once you've stopped paying, the creditor notifies the credit bureaus and sells your debt to a debt collector. Not only do collections drastically lower your credit score, but even a single collection could stop you from getting approved for credit.

How Much Are Negative Items Hurting My Credit Score?

Every inquiry on your credit report can lower your score by up to 3-7 points, which can add up fast. For example, if you have 5 to 10 inquiries on your report right now - you could be losing out on 35 to 70 points from your credit score.

Collections are even worse. A single collection could lower your score by up to 50 to 100 points, and if you have multiple collections then you could be losing out on HUNDREDS of points from your credit score.

Is It Really Possibe To Remove These Negative Items?

YES! A little known fact is that many companies perform a credit inquiry on your report without having proper consent. If this is the case, then they are violating a federal law called the Fair Credit Reporting Act (FCRA).

Debt collectors are also bound by the FCRA, as well as the FDCPA (Fair Debt Collection Practices Act). They must be able to provide proof that you owe the debt, they must be legally allowed to collect the debt, they must be licensed to collect in your state, and the list goes on. But who makes sure they are following the law? You do!

As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report - thus raising your credit score.

You're probably wondering if this a difficult and time consuming process -- it is, if you try and do it all by yourself. But that's where DisputeBee makes your life a lot easier.

Are There Any Tricks To Making This Work?

Anyone can open a dispute online with the credit bureaus, and it almost never works. The online system is designed to work against you (the consumer). It's not surprising, because credit bureaus are in the business of putting information ON your credit report, not taking things OFF your credit report.

If you see any questionable information on your credit report (such as potentially inaccurate or erroneous collections or inquiries), the trick is to send a physical letter demanding proof and challenging the legality of the collections and inquiries in question. If they fail to provide adequate proof within 30 days, the credit bureaus must remove those negative items from your credit report.

Ok, So What Should I Do Next?

Loyd Blankenship does the hard work for you, such as generating the proper letters that are carefully crafted to maximize your chance of a successful dispute. All you have to do is print the letters and mail them.

There's no complicated sign up process, and no need to call a salesperson for a consultation. Here's what you'll do next:

1. Contact Loyd Blankenship
2. Import your credit report
3. Select which negative items you want to dispute, 
4. It will also help us to know if we going to be on Contract Hirer.
5. We confirm your payment after agree to the cost for the service
6. Done!

Written by Loyd Blankenship  ·  Updated July 6, 2019  ·  Published July 6, 2019