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

It will work, but you need to know what you are doing if you wish to take this route. Let's take a look at the various 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 fact that you can get one free copy of your credit report from each of the three credit bureaus per year. You need to ask for this through the specific website made available for this function. Do not 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 specific website but have a different spelling or domain extension.

Once you have obtained your credit report you need to study it for errors and faults. But please note, you are only really interested in the Credit History section of the report. You want to investigate this section 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 procedure:

1. Do not bother to correct anything that is incorrect but will not raise your credit score. For example, the account type may be incorrect but apart from that the information concerning the amounts and the dates payments 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 really make a difference to your report and you will just run the risk of the claim being dismissed as 'frivolous'. In this case, they can reject ANY claim created by you for the next twelve months as being frivolous and this is certainly not the desired outcome.

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

3. Make sure that 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 when you state your case. They receive lots of letters in these formats and they're going to probably ignore your request or let you know that the information that they have is precise and that nothing needs to be done on your credit history.

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