| If you're looking to improve credit history you'll see that | | | | marker for the statute of limitations. When a collection |
| there are many ways to raise a credit score. If what | | | | company picks up an account and puts in a new date |
| you need is to have derogatory history removed. It's a | | | | it extends the statute of limitations. That's the violation. |
| very different ball game. Improving credit is more | | | | Not rocket science here, it's simply having some |
| manipulation of credit to produce a higher score. To | | | | understanding of how this law works. |
| improve credit history you'll have to do some repairing. | | | | You improve credit history by disputing under the |
| The single most useful tip I used from a credit repair | | | | grounds that the company is violating your rights and |
| manual I purchased was the re-aging violations | | | | demand that they remove, not correct the account |
| technique it talked about. Frankly, I thought the manual | | | | from your credit history. Thus, improving credit history! |
| was just ok not great. Until I got to the part of the | | | | Now that was easy right? But wait don't celebrate yet! |
| manual that talked about re-aging of debt and how it's | | | | What if they say no? What do you do then? That's |
| a violation of our rights. The reason that popped up at | | | | the real value I took from my credit manual. It also told |
| me is that I had been reviewing my credit report and I | | | | me how to extend the dispute and find another way |
| saw what I thought were duplicates. I thought they | | | | to have them delete the account. |
| were duplicates because the amounts were identical | | | | From here you can dispute the account based on a |
| or just a few dollars off and the dates didn't match. I | | | | couple of different options. You can ask they prove |
| learned that those discrepancies on my report were | | | | you owe the account or that they can actually collect |
| violations; the collections companies were violating my | | | | from you. They have all their licensing in order, etc. I |
| rights. Let me explain. | | | | won't go into to much detail, in a short article. Simply |
| When you fall behind on an account, its considered | | | | said, there's more to dispute when the door gets |
| bad 30 days after the missed payment. That's when it | | | | closed. Hope this help. |
| should be reporting as negative. That date is also the | | | | |