Raise My Credit Score – How To Raise My Scores?

Recently turned down while applying for a mortgage? Or did you read somewhere that to get qualified for the best mortgage programs and rates you need to have credit scores of greater than 620? If so, you may be looking into how to raise my credit score.
How to raise my credit score is a valid question and it is important how the process works to raise your score as it takes time, effort, and patience.
Before we begin, let’s first briefly explain that credit repair is the process of questioning and removing inaccurate information on your credit report. Incorrect information on your credit report can significantly hurt your credit report and your credit scores. Thus if you are successful in removing inaccurate information from your credit report your credit scores – in theory – should go up.
It is impossible to say exactly how much your scores can go up but you can say that comparing a credit report with bad information will have lower scores than the same credit report that is free of incorrect information.
Next, you will need to decide whether you want to get some professional help to work on your credit scores, or go through the process yourself. Either way, below is a brief outline of the process of how to raise your credit scores. To get some professional help click here.

How To Raise My Scores – The Process

Obtain and analyze your credit report and individual credit account items to determine what items need to be corrected.

Use your legal standing through the US federal consumer protection laws such as FCRA, FACTA, FDCPA, FCBA, and HIPAA to mail your disputed items to the three credit bureaus as necessary.

In general, the 3 credit bureaus have between 30-45 days to investigate each disputed item – they go the source of the incorrect information to have them verify the information.

If the reporting creditor does not verify the information then the credit bureau is required to delete it. The reporting creditor may update or change the reported information – if this is the case then the information will be corrected on your report. If the creditor verifies the information then nothing will change on your credit report.

At the end of the investigation period the credit bureaus are supposed to send you an updated credit report and a summary of what action was taken on the items you disputed.

Again, this list is a very general list of the process of how to raise your credit scores. If you need assistance with working with your credit report or credit scores the please complete the following form.