10 Ranked Negative Credit Report Entries To Dispute

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10 Ranked Negative Items On Your Credit Report You Need To Dispute

Disputing Negative Credit Report Entries

Disputing negative credit report entries play a big part in fixing your credit, but you need a strategy to make the process easier.

Thankfully, one of the most effective strategies involves ranking the negative items from most to least impactful.

Here are 10 ranked negative items on your credit report to dispute.

Ranking and Disputing Credit Report Entries

As mentioned before, we’re ranking the negative items from most to least impactful.

How to start this process, you need all three credit reports.

Therefore, if you need help requesting a credit report, check out “Three Ways You Can Request Your Credit Report”.

Dealing With Duplicate Credit Report Entries

If there are duplicate credit report entries between the three credit reports, write to the credit agencies individually to dispute the duplicate items.

On the other hand, if one of the credit reports has a unique item, then you only have to write to the credit agency involved concerning that item.

While disputing credit report entries can be frustrating,  with the right strategy the process becomes easier and less stressful.

10 Ranked Negative Items On Your Credit Report To Dispute

Here are ten negative credit report entries, ranked from most to least impactful:

  1. Bankruptcy
  2. Foreclosure
  3. Repossession
  4. Loan Default
  5. Court Judgment
  6. Collections
  7. Past Due Payments
  8. Late Payments
  9. Credit Rejections
  10. Credit Inquiries

Be Mindful Of The Date Listed For The Credit Report Entries

It’s important to be mindful of the date the credit report entry was added to your credit report.

Since, after two years, the entry will have less impact on your credit score.

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Overall, disputing negative credit report entries does not need to be stressful.

Remember for each credit report, start by making note of each credit report entry you plan on disputing followed by the name of the creditor, the account number, the original delinquency date, and the category the item falls under.

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