Has anyone tried to Repair their Credit by Disputing accounts on the 3 major credit agencies?

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I am attemping to do this but if anyone knows where to find a good template for the letter, or a sample format and content, then please share this info with me. Does this process work on open/active accounts, such as, student loans or auto loans? If not, then should I exclude those accounts from my letter?

Has anyone tried to Repair their Credit by Disputing accounts on the 3 major credit agencies?

Well you could certainly dispute some accounts, but it won't repair your credit unless it is true that you don't owe on those accounts.

Creditors are going to be highly suspicious of disputes if there are more than one.

Simply disputing the amounts doesn't absolve you from paying them or avoid the credit hit.

In fact putting them into dispute does not at all affect your credit score.

What does affect it would be if a disputed account is resolved in your favor and you no longer are deemed to owe the money....it would lower your outstanding credit and slightly raise your score.

Remember that more than 2/3rds of your score is how timely you make payments and how much outstanding credit you have.

Has anyone tried to Repair their Credit by Disputing accounts on the 3 major credit agencies?

Writing to the credit agency is useless, since they are reporting what the creditors tell them to report.

I wrote to the collection agencies and creditors directly (certified mail) and copied the 3 agencies (also certified mail).

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Has anyone tried to Repair their Credit by Disputing accounts on the 3 major credit agencies?

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