This is the time of year to prepare for submitting disputes to all three of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. First go to https://www.annualcreditreport.com/cra/index to get your free annual credit report. Look over your credit reports carefully; you can dispute anything you find incorrect. For example, I sent in a credit card bill in the wrong envelope and it was credited to the wrong credit card. They show I was 30 days late with a payment. I will be writing to dispute this late payment in December. Why December? Around the holidays is the best time to make claim for dispute. The credit reporting companies have a time limit to research and make a decision on your dispute. During the last 2 weeks in December and the first two weeks In January they are very busy and employees take time off for holiday. I raised my credit score by 100 points by dusting out all the poorly reported credit issues and paying off some old bills I left in Arizona when I moved and did not even know I owed. Now I view all three credit reports at least once a year.
And SMILE, it makes you feel better.
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