Your online credit guide to stop car dealers from using your credit against you

“There is no such thing as credit repair. The best you can do is make your credit report read correctly.”

The fault in the credit world is that nobody takes the time to report to the credit bureaus the remedy or solution you come up with for the negatives on your credit.

This means you’re going to have to do it yourself.

You’re going to have to take the time and make the effort to send in a credit dispute form to all three major credit bureaus (sample dispute form). Remember, a creditor only cares about their books and databases reading correctly.

Here’s what’s necessary to make a successful dispute:

1. PROVE IT
   When filling out the dispute form, simply telling your story is not enough, you have to prove it. This means you must provide hard-copy evidence to back up your claim. For example, if your credit report shows you haven’t paid a collection, but you’re certain you did, track down a receipt for the payment and send it in with the dispute form. Don’t describe your dispute, prove your dispute!



2. WHAT AND WHY
   A credit dispute form can only be used to either remove incorrect information from your credit report, or record the correct information amending the negatives on your credit. Your credit is what it is. Make it sure read correctly.



3. YOU HAVE TO MAKE THE EFFORT YOURSELF
   The fault in the credit world affects you! Not the bank, not the dealer, not your neighbor, but you. Often a creditor will say they’ll take the time, effort and money to report the correct information, but it’s not their top priority. Count on yourself.



4. MAIL YOUR DISPUTE FORMS TO:
   
   Equifax
   P.O. Box 740256
   Atlanta, GA 30374
   Ph (800) 685-1111
   www.equifax.com
   
   Experian/TRW
   P.O. Box 2002
   Allen, TX 75013
   Ph (888) 397-3742
   www.experian.com
   
   Transunion
   P.O. Box 2000
   Chester, PA 19022
   Ph (800) 916-8800
   www.transunion.com
   
   

You can link to the dispute form I use in my dealership. Please feel free to print it or use it as a template to create your own.

To learn more about how to make your credit read correctly, read...

Kick the Dealer...Not the Tires!