SoreCredit

04/01/2023

Hey everyone, it's time to get savvy about disputing with the credit bureaus! When you submit your dispute, you want to ensure you're taking the right steps to get results. Here are 5 common mistakes you want to avoid:
1. Failing to provide proof: If you don't provide documentation, your dispute may not be taken seriously.
2. Not taking the time to craft a detailed dispute letter: You want to provide a clear explanation of the details of your dispute and why you disagree with the information on your report.
3. Not having a copy of your credit report handy: You don't want to dispute an item if it isn't even on your report!
4. Leaving out your personal information: When submitting your dispute, you want to make sure the bureaus can easily identify you.
5. Not carefully checking the credit bureaus’ response: Make sure that the bureau’s response is in line with your dispute.

If you make sure to avoid these mistakes, you’ll increase your chances of having a successful outcome. Have you ever disputed an item on your credit report? Comment and let us know!

03/29/2023

Let's face it - rebuilding your credit can be tough. But there are some common mistakes that people make that can make it even harder. Check out these six mistakes you might be making:

1. Ignoring your credit report - It's important to stay on top of your credit report and dispute any errors you find.

2. Making late payments - Your payment history makes up the largest portion of your credit score, so paying on time is crucial.

3. Maxing out your credit cards - Using all of your available credit can hurt your credit utilization ratio, which is a big factor in your score.

4. Applying for too much credit - Every time you apply for credit, it can bring your score down a bit. Be selective about the applications you submit.

5. Closing credit accounts - Closing accounts can lower your available credit, which can hurt your utilization ratio.

6. Not having a plan - Rebuilding your credit takes time and effort. Make a plan to improve your score and stick to it.

Don't let these mistakes hold you back from rebuilding your credit. Remember, improving your score can take time, but it's worth the effort.

03/19/2023