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Credit scores are influenced by various factors. The most significant ones include payment history, credit utilization, length of credit history, new credit accounts, and credit mix. Timely payments, low credit utilization, and maintaining a diverse mix of credit types positively impact your score.
The duration varies based on individual circumstances. Minor issues might be resolved in a few months, while significant improvements may take a year or more. Consistent efforts in addressing errors, making timely payments, and reducing debt contribute to a quicker turnaround.
While it’s possible to repair credit independently, professional help offers expertise and guidance. Professionals navigate complexities efficiently, provide personalized strategies, and often have established relationships with creditors, expediting the process for better results.
Disputing errors involves contacting the credit bureau to challenge inaccuracies. Provide supporting documents to substantiate your claim. The bureau investigates within 30 days and notifies you of the results. If the dispute is valid, the bureau updates your report, potentially boosting your score.