Can You Dispute Bad Credit Charges?
Old debts can leave your credit report looking less than perfect. If you need to clean your credit up fast, you may want to consider disputing some of these old charges.
Mistakes can sometimes happen, and if you find an error on your credit report, it can be disputed. But, did you know that old negatives can be disputed as well?
Disputing Bad Credit Charges
If you want to raise your credit score, your first step should be seeing exactly what can be disputed and removed from your credit report. Mistakes and bills that have already been paid are obvious choices. Next up, should be old charges, which can have an extremely negative effect on your credit score.
Often times, collection agencies have moved your information around so much that their records are a mess. Its usually not worth it to them to take time to recover a really old debt. And, if the creditor no longer wishes to make an effort to collect the money or pursue a dispute, the negative item can be completely removed from your report.
If you want o remove old credit charges, always make your dispute in writing and include a copy of your credit report with disputed items clearly marked. Then, give the company sufficient time to investigate the dispute (usually 30 days) before following up on the situation.