how to improve my credit score quickly and disput negative account?

Answer 1

You'll need a 3 in 1 credit report so you can make a list of accounts that you feel need to be disputed. Then you can dispute through the credit bureau. But most of times that way doesn't work, you'll need to write a formal letter of dispute. At my yahoo answers profile you'll find a link to my site that will have those formal letters of dispute that you can use.

Answer 2

It's easy to dispute negative accounts. You can either do it online or send dispute letters stating why you think the debt's not yours. But here's the thing, If they're able to prove that it's yours, then you're back to square one, but if not then you'll be able to have it removed. If in fact that you do owe it, there's some things that should be taken into consideration: How much you owe and how old the debt is. There's what's called a statute of limitations (SOL) for collecting on a debt legally in court(which varies from state to state), and reporting the debt on a credit report(which is 7 years). If the debt is closer to the 7 year mark, chances are it will stop reporting and fall off your report anyway. Whether you're successful disputing and having them removed or settling with them for a "payment for deletion", that will always hurt your credit. And by chance if you're successful in getting rid of all your negatives, then you'll need to get some positives on there, an easy way to do that is if you have a close friend or family member with excellent credit, ask them to add you as an authorized user on some of their oldest credit cards in good standing. It's important that they're not maxed out or have any late payments becuase it won't do any good to add you if that's the case. Once their activity from the credit cards show on your report, then it may be a good idea to apply for one of your own, and make a small purchase that you're able to pay every month, if not in full.

These are a few things that can work for you

Good Luck!

Answer 3

There really is no way to improve your score "quickly". It happens over time if you a) pay down your debts and b) make on-time payments. Those are the only two ways to see your numbers change for the better.
If you need to dispute information, pull all three of your credit reports. At the end of the report are instructions on how to dispute accounts that appear on your report. They have thirty days to research the dispute and let you know what they find.

Answer 4

Get a copy of your credit report and see if u need to dispute any of them.. Next keep paying off your debt and make sure u pay on time..