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Step 3 in Your Credit Score Power Series
You’ve pulled your credit report. You’ve spotted the red flags. Now it’s time to fix what’s broken—and fast. Because every error you correct, every balance you clean up, and every dispute you win can push your score higher and unlock better loan terms.
Whether you’re applying for business funding, real estate loans, or prepping for a flip, this step is where momentum begins.
🛠️ What Counts as a Fixable Error?
According to the FTC, 1 in 5 credit reports contains an error that could affect your score. Common issues include:
- Incorrect personal info (wrong name, address, employer)
- Duplicate accounts
- Late payments you never missed
- Accounts you didn’t open (possible identity theft)
- Outdated collections or public records
- Incorrect balances or credit limits
These errors can drag your score down and trigger automatic denials—even if your income is strong.
✍️ How to Dispute Credit Report Errors
You can file disputes directly with each credit bureau:
| Bureau | Online Dispute Portal |
|---|---|
| Experian | Experian Dispute Center |
| Equifax | Equifax Dispute Portal |
| TransUnion | TransUnion Dispute Page |
What You’ll Need:
- A copy of your credit report with errors marked
- Supporting documents (bank statements, ID, letters from creditors)
- A short, clear explanation of the issue
💡 Tip: Disputes are usually resolved within 30 days. Online is fastest, but mail gives you a paper trail.
⚡ Fast Wins That Boost Your Score Quickly
Even if your report is accurate, you can still take action to improve your score:
1. Pay Down Revolving Balances
- Keep utilization under 30%—under 10% is ideal
- Focus on credit cards first
2. Request Credit Limit Increases
- Without adding new debt
- Improves utilization ratio instantly
3. Add Positive Tradelines
- Become an authorized user on a seasoned account
- Use rent/utility reporting services to add payment history
4. Set Up Autopay
- Prevent future late payments
- Builds lender trust over time
🤝 Want Help Fixing It Fast?
If you’re short on time or want expert support, we’ve partnered with a trusted credit repair team who can handle disputes, clean up your report, and help you boost your score—fast.
👉 Click here to start your credit repair journey today.
💬 Final Word
Fixing your credit isn’t about perfection—it’s about progress. Every error you correct and every balance you clean up moves you closer to better funding, better terms, and bigger opportunities.
Stay tuned for Post 4: Lower Your Credit Utilization Like a Pro—coming next in the series.
📞 Questions about funding? Call or text Mark directly
🌐 BusinessAndRealEstateLoans.com
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