Hey everyone, I wanted to share a personal story of mine.
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.