It is important to know, when you dispute the negatives in your credit file, that you must dispute them in a letter sent by mail.

If you dispute through the Internet, your dispute letter will go into a computer program that has no emotion and will not be able to take into account anything that has to do with mercy or justice. Your chances of getting negatives removed this way are very slight and are, frankly, not worth the effort.

In fact, if you dispute online and then try to re-dispute by mail, you will find that the credit bureaus will say that your information has been previously verified and it is now a frivolous dispute; and the ball will be back in your court, to prove or disprove.

What a scam.

So, when writing your Letter of Dispute, keep these things in mind:

First, the dispute letter should have reference to the Law of the Fair Credit Reporting Act or the Fair Debt Collection Protection Act so that the credit bureaus know that you are serious. Second, it should demand that all items be verified before being put on a public record. You will then have to indicate each negative and reference each account number for what you feel is in error.

Unfortunately, we have found that most people get little satisfaction for their requests and it may take years to get any real results. We have also found that using an attorney, with expertise in credit law and repair, has the best results and can usually gain about 127 points in 2 to 6 months.

Now, which makes more sense; spending years and getting little results or spending a little money, getting quick results PLUS saving a ton of money on the best interest rates and reduced insurance premiums?

I think you know the answer.

We will recommend a few attorneys at the end of this blog; these are some that I have found to be the best in the nation and who can provide a triple results warranty besides. In the meantime, let me continue to try and help with credit repair as it will be the most helpful in getting your scores returned to normal.

Check out this site… http://www.VantageCA.com