Should I Dispute? – I Have Good Credit
You have great credit but you have found some information that is wrong on your Credit Report. Should you dispute it? Should you ignore it? What should you do is the question.
The FCRA (Fair Credit Reporting Act) was implemented so that every consumer can dispute information that is being incorrectly reported to credit bureaus.
Any information that is incorrectly reported may be hurting your score. Now if your credit score is great, it could be greater. Take the time to review your credit report carefully. If you find mistakes you have several options. A customer with good credit history might be able to talk with your lender directly and have them change the information.
Talking with your lender is often a great choice because a customer that is paying on time and has a good record is a customer the lender wants to keep. Don’t be afraid to use that to your advantage. Good customers can get some perks such increases to your limit, reductions in your interest rate and such. Having great credit should be important to you and monitoring your credit report is critical to having good credit. If you have issues, don’t be afraid to contact a professional to help you with your credit if you have questions. Good credit repair companies can do all of the legwork for you and continue to dispute information until your credit report is corrected.
Even if you have good credit, the most important thing is having an accurate credit report. In the long run it will benefit you the most.
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