The credit score is given by the three private firms in United States of America. These firms are profitable and their revenue comes from the creditor. However, they claim they work for the public. The credit ranking report contains errors and this well known fact. Even the firms which give the credit ranking have agreed that the credit score is prone to errors.

How to dispute bad credit? This question appears to be very important and the answers are in your favor. Now it is your responsibility to check your credit ranking periodically. All the citizens of United States of America are entitled to get a free copy of the credit report once a year. You should thoroughly check the report and send an email to the credit report giving organization about the wrong entries. They will take one month to investigate the transaction. In case they are not able to show the proof of the disputed transaction, they will remove the disputed entries.

The important point is that your conversation with the credit ranking giving firm should be written. This will act as the proof for you in the later stage if something undesired happens with your credit score. Keep pursuing the credit score firm to remove the disputed entries.

If the disputed entries are not removed then you can file the dispute with credit bureau's national consumer assistance center. You should have all the proof with you so that you can support your claim. Do not file the disputes which are untrue. This can get you in trouble.

There are many credit repair organizations in the market that will help you get a good credit score. They have all the required knowledge and contacts. The firms have qualified and experienced employees which take your case with the credit score giving firms.

There are options available to repair bad credit and raise your credit score. Something as simple as disputing negative items can help. These items can be erased from your credit report, resulting in a significantly higher rating. Click the following link for more information on how to repair bad credit quickly and legally:

Credit Report Repair