Expert Strategies to Improve Your Credit Score
Our specialists employ proven strategies to systematically enhance your credit score.
Improving your credit score is a science. At Dispute It, we use a multi-faceted approach to systematically identify and correct issues on your report, leading to significant score improvements. While good habits are important, professional intervention is what delivers the fastest and most effective results.
1. Correcting Your Payment History
Your payment history is the largest factor in your score. Even one incorrect late payment can harm you.
- Our Strategy: We meticulously audit your 24-month payment history on every account. We challenge any discrepancy, from an incorrect late payment flag to a disputed charge, forcing the bureaus to verify or remove it.
2. Optimizing Your Credit Utilization
This is the ratio of your debt to your credit limits. High utilization signals risk and lowers your score.
- Our Strategy: Beyond generic advice, we provide a tailored analysis of your specific accounts. We identify which balances to prioritize and can assist in negotiating with providers for limit increases, which directly improves this ratio.
3. Removing Damaging Negative Listings
This is where our expertise delivers the most value. Simply waiting for negative items to expire is not a strategy.
- Our Strategy: We actively work to remove damaging listings long before their expiry date.
- Paid-Up Defaults: We manage the process to ensure these are fully removed, not just updated.
- Prescribed Debt: We use our legal expertise to force the removal of illegal expired debt listings.
- Judgments: Our legal team handles the court process for rescission, the only way to remove a judgment.
4. Managing Hard Enquiries
Multiple applications for credit can lower your score.
- Our Strategy: We identify and dispute any unauthorized hard enquiries on your report, which could be signs of fraud. We also provide clients with a clear plan for future credit applications to protect their score.
5. Leveraging Your Credit History
The age of your accounts matters.
- Our Strategy: We ensure the opening dates of your accounts are reported correctly and advise you on which accounts are critical to keep open to maintain a long and positive credit history.
Improving your credit score is not a DIY project if you want serious results. It requires a professional, strategic approach. Contact Dispute It to have our experts implement these strategies for you.
The credit repair process is complex and requires specialist knowledge to ensure success. Don't risk handling it alone. Our experts at Dispute It are ready to manage your case and deliver results.