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Credit Score Improvement Strategies
- A dispute letter may help remove some negative information.
- Simple steps using credit reporting loopholes may help improve scores.
Credit Repair Methods
- The ‘Credit Secret Loophole’ claims to help repair credit scores by writing dispute letters.
- The website claims certified experts develop letters based on consumer protection laws.
- Sections 604, 609, and 623 of the Fair Credit Reporting Act help consumers clean up credit issues.
Removing Collection Accounts
- Accounts in collection generally remain on your credit reports for seven years, plus 180 days from whenever the account first became past due.
- The only way to remove a collection account from your credit reports is by disputing it.
- If the collection is legitimate, it may only be removed once the credit bureaus are required to do so by law.
Debt Collection Information
- Debt collections are supposed to stay on your credit report for seven years.
- There are a few ways to remove debt collections sooner.
The Fair Credit Reporting Act’s "609 Loophole"
- The "609 loophole" allows consumers to dispute inaccurate information on their credit reports in writing.
- A credit bureau may delete a mark if it cannot be supported.
Goodwill Letters for Debt Removal
- You can write a letter asking the creditor or collector to remove information as a goodwill deletion.
- The letter doesn’t need to have a lot of information or details, just identify the debt as paid and request removal.
