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If you have the time and wherewithal, take control and use a Section 609 letter. Credit repair agencies can definitely help reduce the anxiety and effort too, so if you’re in a rush to bump up your credit scores but don’t have the time to put in the necessary work, consider using their services.
Send your 609 letter to each of the credit reporting agencies that are listing the account you need verified: Do not just pop your letters in the corner mailbox — these are important letters, and you’ll want to be sure they arrive. Go to the post office and send them via certified mail, return receipt requested.
SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid. HOW I WENT FROM POOR CREDIT TO A 765 FICO SCORE!
That means you have to give a creditor cash for them to give you a line of credit. It is much cheaper to fix your credit with the Section 609 Credit Repair Secret then to pay a credit card company cash for a line of credit. Remove All Negative Accounts in 30 Days Using A Federal Law Loophole That Creditors Don't Want You To See!