Today is
By: Ikedi Ani-okoye
This is a severe question to answer because no credit reports are the same. It also depends on what you mean through "improve" your credit score. If you mean improve your credit score up at all, then that is different than if you mean improve through 100 or more points.
Here are some basic guidelines. First, review your credit history report and count the number of mistakes that you obtain on your credit report. Those mistakes will be a guideline for how long you might be working on getting those corrected.
If you have no mistakes then you will be working on ameliorating your credit score
by making good choices and paying your bills on time. This process will take the most amount of time and you should be doing this mundane so that your score continues to improve on a daily base. Each month your credit score will improve even if it is only through few points if you follow adept credit practices.
Now whenever you have found actual errors on your credit report, you want to dispute them so that you can get the errors moved from your credit history. The removal of those items from your credit report will improve your credit score. Generally, people who have found errors on their credit report will see marked improvement if those items are corrected or removed.
When you have less than 5 errors on your credit report, you generally can get them corrected in 30-90 days. You will dispute them with the credit bureaus and they will begin an investigation. They have 30 days to process those investigations and then respond to you. If they still have not corrected them, you should dispute them again so that they will reinvestigate and make sure that the info is correct.
Whenever you have more than 5 errors, then you should consider disputing only 5 items at a time. Many times disputes have been returned and were instructed by the credit bureau that they would not investigate the disputes. Whenever the number of disputes was reduced to below 5 items, the disputes were continued and finally resolved. Then the balance of the disputes were re-disputed again and again, the disputes were investigated and resolved.
Recommend this page
|
