Quote Originally Posted by phatboislim
EXCELLENT READ REPS FOR YOU

btw where would i go generally to get a credit rescore?
Thank you.

You have 2 choices: Do it yourself or have someone else do it for you.

Now, I'm not talking about "credit repair" services which are usually schemes. I'm talking about someone whom you are working with to get a house or a car that is willing to help you go to the proper channels to send in any disputes or clarifications you have to expedite the process.

You can certainly do it yourself. You can go into each of the repositories' websites and they have their exact procedure and contact info for disputes. Most you can do right online. It costs you nothing. It is also a legal right that you have and the bureaus have laws which they are forced to be under, but most won't do so until SOMEONE (you or otherwise) holds their feet to the fire.

BTW, the websites are:

www.equifax.com
www.transunion.com
www.experian.com

This is also good reading about credit reports in general:

https://www.econsumer.equifax.com/co...rning_credit14

Here is the direct link to the website Clark Howard says is the best:

https://www.annualcreditreport.com/cra/index.jsp