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The goal of disputing inaccurate items is to get those items completely removed from your credit report. This includes collections, credit inquiries, late payments, bankruptcies, medical debt, and more.
Successfully removing erroneous negative items from your credit report will increase the resulting credit score and help you qualify for mortgages, loans, and credit at better interest rates – saving thousands of dollars! After you mail your first round of letters to the bureaus, you will wait for a response. It often takes multiple rounds of correspondence with the bureaus to see any items get removed or for any information to be corrected.