Step 1: First thing I’d do is pull my credit report, break it down and figure out what I need to attack! Step 2: Next, I’d clean up my personal info—removing old addresses and incorrect names etc Step 3: I’d list out all negative accounts—late payments, collections, charge-offs—and dispute them using consumer laws. For late payments, I’d hit them with FCRA 15 U.S.C. § 1681s-2(a) (furnishers must report accurate information) and demand proper verification. For collections, I’d use FDCPA 15 U.S.C.

CIBI Credit Report #creditscore #financialfreedom #financialeducation #financialliteracy #savingmoney #debt #loan | Heyfintechfounder

Before you send a single dispute letter… do this first👇🏽 Call each credit bureau: 📞 Experian 800-493-1058 📞 TransUnion 800-916-8800 📞 Equifax 888-378-4329 Say this to the rep 🗣️ “I’m calling to update my personal information and remove any old or inaccurate addresses linked to my report.” This matters because: When your personal information is outdated or inaccurate, like old addresses, name variations, or misspellings, it can connect negative accounts to the wrong identity. That means acc