Disputing Negative Items Got My Score +180 Points (Free Method)

Описание: VIDEO DESCRIPTION:
In this episode of Finora Podcast, I'm revealing how I got a 180-point credit score boost just by disputing negative items on my credit report. This is completely free, legal, and nobody talks about it. I'm breaking down exactly what the dispute process is, how it works, and step-by-step instructions on how you can do this yourself without hiring a credit repair company.
What You'll Learn in This 28-Minute Episode:
What the Fair Credit Reporting Act actually means for you
How to get your free credit reports legally
Exactly which negative items you can dispute
The three-step dispute process explained simply
Real timeline: How 180 points moved
Late payments, charge-offs, collections - what worked for me
Why creditors often can't verify information
How to dispute strategically (the right way)
Success rates and realistic expectations
Step-by-step action plan you can start TODAY
Common mistakes people make when disputing

Timestamps:
0:00 - Introduction & Hook
1:45 - My 580 Credit Score Situation
4:10 - The Moment I Discovered Disputing
6:30 - Understanding the Fair Credit Reporting Act
8:50 - How the Dispute Process Actually Works
11:15 - Getting Your Free Credit Reports
13:40 - My First Dispute: The 5-Year-Old Late Payment
15:20 - Second Late Payment Dispute (+40 points)
16:45 - Charge-Off Dispute (+60 points)
18:10 - Collections Account Dispute (+40 points)
19:30 - Why Creditors Can't Always Verify
21:45 - The Strategic Approach to Disputing
23:15 - What If Items Get Verified?
24:30 - Real Results and Timeline Breakdown
25:45 - Step-by-Step Action Plan
27:15 - Final Thoughts & Call to Action
28:00 - Outro

Key Takeaway: Your credit report may contain errors, and you have a legal right to dispute inaccurate information. This is one of the most underutilized methods of improving credit scores.

Resources Mentioned:
Free credit reports: annualcreditreport.com
Fair Credit Reporting Act (FCRA)
Consumer Financial Protection Bureau
Equifax, Experian, TransUnion dispute processes
Non-profit credit counseling services
Important Note: Disputing doesn't guarantee removal. Success depends on your specific items and creditor responses.
Disclaimer: This content is for educational purposes only and is not legal or personal financial advice. Consult a legal professional if you have questions about your credit rights.

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