How can you “repair bad credit”? or dispute items on your report??
Question:
If you owe it- you owe it. How can these companies “legally” repair your credit?? I am confused?? i went to a website that says they send dispute letters…How can you dispute an account you owe?? How does this work?
Answer:
Those letters challenge the debt. The company has to prove the debt is real within a certain period of time. If they don’t, you don’t owe the debt. It’s like “I double dog dare you to prove I owe that.” It’s a timing gimmick.
The best way to repair bad credit is to make your payments on time so you establish a good re-payment history. Also, don’t close credit card accounts because that will reduce your debt to limit ratio.
