Erase Late Payments with Secret Credit Dispute Tactics

Secret Credit Dispute Tactics: How They Work

The Fair Credit Reporting Act (FCRA) gives you the right to dispute any inaccuracies on your credit report. Secret credit dispute tactics involve leveraging this law to challenge the validity of late payments. The process begins by obtaining a copy of your credit report from the three major credit bureaus—Equifax, Experian, and TransUnion. Once you identify any late payments, you can file a dispute with the bureau that reported the error. If the creditor cannot verify the accuracy of the late payment, it must be removed from your report².