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So the credit bureaus can now change your credit score by you just asking?!?!

And just to be clear: a dispute IS more than 'just asking'. You are challenging the validity of what the creditor has reported to the credit bureau. Since the creditor has the opportunity to respond within 30 days about why they think the information is correct, and they generally do respond, you need to provide enough information to the credit bureau to prove that you ARE correct, and that the information provided by the creditor really IS wrong.

And don't let the fact that the impact of the disputed information will be removed during the dispute process lull you into thinking that you can get a boost to your credit score any time you need one. First of all, there is a notation on your score report that information is being disputed, so the creditor is likely to ask for a new report in 30 days, and may wait until that new report is received before granting you any credit - this is especially true with mortgages. Secondly, if you dispute the same item(s) multiple times without providing any new proof, your disputes will be denied as 'frivolous'.

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