I am pretty sure you know the importance of a strong credit score and rating and may have also heard that it is possible to improve your credit rating as well. But what is not as popular is that the best way to go about the steps to improvement is by writing to Equifax and the other credit bureaus.composition to equifax to meliorate your assign judgement

If the bureaus and collection agencies do not abide by both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act there is consequences which they can face which include fees and fines.composition to equifax to meliorate your assign judgement

It is a good idea to reference each account in a different letter, in other words you don’t want to dispute multiple accounts in the same letter. Instead dispute them one after the other and wait until you get the results for one before beginning the next one.

To understand what makes this process possible through writing, you must also be familiar with the laws that affect your credit rating which would be the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. Your level of knowledge of these acts will directly how far you get with your repair efforts.

In most cases when you write to Equifax the idea is to challenge accounts on your report, and the foundation of your challenges should be based on one of these two acts. Having your communications with Equifax in writing is also important because you need a way of showing proof if a situation arises where you need to get the courts involved with your dispute.

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