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If you’ve got your credit report, that’s awesome! This article is all about the next step, which is determining what type of accounts that can be removed and popular reasons for disputing those accounts.
Here is a simple list of the type of accounts you can dispute:
- Late pays on closed accounts
- Collection accounts
- Medical bills
- Discharged bankruptcies
- Tax liens
Here’s a list of reasons for disputing the negative accounts:
- Wrong account status (such as a payment mistakenly reported late when you paid on time)
- Negative information that’s too old to be reported; most derogatory marks on your credit must be removed after seven years
- An ex-spouse that’s incorrectly listed on a loan or credit card
- Wrong account numbers or accounts that aren’t yours
- Inaccurate credit limits or loan balances
- Accounts you don’t recognize
- Addresses where you’ve never lived
Still need help? Visit Accelerator Week 1 DIY Credit Repair
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