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When ever I asked a credit repair expert how to dispute credit mistakes there was one answer they all gave me, every time. "Let's set an appointment at my office." Unfortunately that's not what I wanted to hear. I didn't expect them to tell me exactly what they were going to do to clean my credit. I was just looking for an overview, an idea, of what is done to improve ones credit score. I was willing to pay a reasonable fee for the service. Going back to what I understood about credit. I was under the impression that once a mistake or blemish was on my credit report it was going to stay there and it wasn't coming off. As I understood, it was going to stay there for four to seven years and I was going to have to live with it. Once I realized I wasn't going to get a straight answer, I searched myself. I started my own research and found informative guides to credit and credit programs to fix and dispute credit mistakes. I started my research after realizing I wasn't going to get a straight answer. After reading a few of the credit repair manuals I realized why. I learned how to dispute credit mistakes with, what else, a dispute letters but not just that. I learned there are many tactics to how, when and to where you send those letter too. Also, disputing not the late payment or the amount of the debt but the validity of the debt and the collection companies. Another misconception I had was precisely that. If an account I had was in collection and I'm getting calls from XYZ collection company not the original creditor, they must be authorized to collect from me. That is not always the case, credit companies don't keep perfect records and that is one hole I exploited. Now I'm no credit expert and credit is the last thing I'm going to preach about but if you ask me how to dispute credit mistakes. I have a pretty good idea of how to structure my dispute letters and how and when to send them, along with a few other tricks. Copyright 2010 Rene C. Alexander This article was originally written by Rene C. Alexander and posted on

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How to Dispute Collections - Winning Tactics on How to Dispute Collections