Credit Disputes my personal experience:

[starke]

Hey, bear with me, I posted the exact same post on another forum that I frequent, but it's very applicable for us in the RE business:


I began disputing items using www.annualcreditreport.com last month (the real free credit report service) and I am now hearing back from the credit agencies...

Just received my first corrected report from Experian, and the 3 items that I disputed were removed.

I'm a lender here in FL, and credit is VERY IMPORTANT, as you can imagine for mortgages.

These were a few items that were left over from college a (cough) few years ago, ok more than a few if you are going to hold me to it ... phone bills mainly...

I mention this because if a client is borderline... then they should do this, and do it early on in the real estate process. There is no excuse, if they are motivated... and if I can do it, so can they. It took me all of 15 minutes to dispute all 3 bureaus. They can better their credit scores (or at least attempt to) with only a little elbow grease.

I'm going to start passing this along to my clients, too.

[pcdoc]

Great post. Years ago, I counseled my employees to check their credit every six months.

Just make sure the credit reporting website is legit.

See here

http://www.ftc.gov/bcp/conline/pubs/...reereports.htm

and here

https://www.annualcreditreport.com/