I'm Bo Majors
 I got my totally free credit report, flipped out, paid bills, asked for credit help, got new good credit and disputed errors on my credit report.  

Up
raise fico fast
validate
negotiate
dispute
fico beacon
bals hicr ratio
debt income ratio
credit tips
get credit card
reward / miles
student cards
judgments
how pay off
bankruptcy
public records
divorce ex x
how long
pay debts
TransUnion
Equifax
Experian
scams
theft fraud
fix credit letters

E-mail Bo Credit questions.
My credit help blog
 

 I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thank GOODNESS for your website. IT WORKS!
real person

Bo's credit dispute question blog keyword dispute form

Dispute Form click here Read Instructions First

 Is it better to use the phone, fax, mail or internet? 

•  Mail is the only verifiable concrete evidence a court of law will acknowledge.

•  Always get agreements in writing.

 Should I contact all three credit bureaus for credit dispute?

•  Most creditors report to only one or two bureaus.
•  Only contact and dispute with the bureaus' which that have show errors.
•  This is why it is important to have all 3 credit reports and know what is on each report. 

  How much does it cost to dispute a record?  How long does it take to dispute a credit report record?  

•  Disputing credit records is free and my right by law.
•  I can to dispute as many times as I like but I may be turned down for duplication of effort by the bureaus.
•  By law creditors must respond to bureaus within a 30 day time frame of receiving the dispute from the bureau.
•  If the creditor does not respond before the 30 days, then the bureau must remove the entry and improve my credit score. 

 What if I have a record that I don't think is correct but I can't find a number to call?

•  I dispute the record and make the credit bureau get the information for me. 
•  I send as much information on myself and the credit record as possible. 
•  If the dispute record is ruled accurate, I use the phone number and address provided to contact and negotiate with creditors.
•  I pay IN FULL without delay when I have negotiated a deal. 

   Can I dispute credit inquiries?

•   Why sure you can. I have found that the bureaus might kick these disputes out as frivolous unless I can show proof of fraud. 

Question# 1
Real Person

I am currently wanting to dispute a collection that I just found on my credit report. So my questions are:

Do I need to send each credit bureau 'their' copy of my credit report? 
Or can it be another type of copy?
I will be mailing in my dispute through the old school mail (snail mail) and do I need to send it certified mail so I can have a record of them receiving it? My concern is that I will not have any proof that they received my dispute information.
------------------------
Bo
Only the ones affected or you might get something stirred up.
so you should have each report and know which ones to send them to.
Each bureau is separate
Send copies delivery confirmation
Free Universal Dispute form

Questions #2
I love this website, this is the best one I ever seen. So I mail my
letter along with a copy of my credit report or use the dispute form on
your website and add the information from my credit report to the
dispute form.
-------------------

Yes do that
-------------

Sir, when I dispute an item on my credit report, can I print the
selected portion (meaning highlight the creditor info. And print that on
1 page and dispute or do I have to send the entire credit report along
with dispute letter
---------------

Sure can do it just like that

Questions #3  
 Hi Bo,
I have been using advice and have seen positive results. I recieved a letter from one of my disputes asking me to be specific in the information I am disputing (which I did), also a explanation (which I did), a copy of my DL (why would they want that), and my phone number. Cna you explain to me why they would ask me for that.
----------------
Bo
One has to prove and verify who one is.
This keeps me protected from fraud. Dispute You are doing the right thing

 These are the best credit help offers I can find that I trust and use.
 Get all 3 totally free credit reports and scores
 I use this one. Best offer for quick comprehensive credit  checks.
 Unlimited 3 bureau credit reports & 3 scores for 14.95 per month  
 The best for fixing credit, monitoring for fraud, and ID theft over a period of time.
 Raise my credit score with new current lines of credit totally free  
 I must have at least 3 open rated lines of credit. These cards report to bureaus.
 Hire a Lawyer to do all the work

 Knee deep in debt solutions