Here is the favourite way to increase credit score - dispute errors and inaccuracies on your credit report.

It does work, however , you need to know what you are doing if you wish to take this route. Let's take a look at the different things that you need to bear in mind when you do this to repair credit score.

Firstly, you need to acquire a copy of your credit report. It is a well known point that you can get one free copy of your credit report from each of the three credit agencies per year. You need to request this through the specific website made available for this reason. Don't let yourself be fooled by other places that allege to get your report for you for free or for a small fee; or claim to be this particular website but have a completely different spelling or domain extension.

Once you have obtained your credit report you have to study it for errors and inaccuracies. But please note, you are only really concerned with the Credit History portion of the report. You want to investigate it carefully for mistakes with regards to names, dates and amounts.

Here are some tips with regards to the approach that you should take in this process:

1. Do not bother to fix anything that is incorrect but will not raise your credit score. For example, the account type might be incorrect but regardless of that the information concerning the amounts and the dates repayments were made are correct. In this case, you don't want to make an issue out of this since the problem is that it will not make a difference to your report and you'll just run the risk of the claim being dismissed as 'frivolous'. In this case, they are able to reject ANY claim made by you for the next twelve months as being frivolous and this is certainly not the required outcome.

2. Make 100% sure that you have the proof to back up your claims in the case of any mistakes. For example, there might be accounts there listed as still open (with balances against them) when in fact they have been repaid already. Make COPIES of the proofs and submit the copies along with your letter. Never send in the originals! If you do not have proof then you definitely should consider whether you should go through the effort of raising the issue. The problem once again is that they can write off your claim if you do not have evidence.

3. Make sure you do not use a form letter, a letter format copied from the internet, or a letter format that you obtained from a credit repair company whenever you state your case. They receive lots of letters in these formats and they will probably ignore your request or inform you that the information that they have is correct and that nothing should be done on your credit history.

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