I just printed out a copy of my credit report today, as we all should do annuallyGot it from all 3 bureaus, since I know sometimes they don't receive the same info and there are two collections on there killing my score that I'm almost certain have nothing to do with me.
Just a few months ago my FICO score was pretty high and now it sucks.
I know that you have to dispute these things in writing, but to be as sure about going about it the right way as possible, what's the best way to phrase the letter?
Is it best to send it registered mail, regular mail, or some other specialized mail?
Would it be a bad idea to call the company before sending the dispute letter just to clear up a few points that weren't addressed in the credit report?
I apologize if this has been covered already; I searched under a few different keywords and what little came up didn't really answer my questions. Thanks!



Got it from all 3 bureaus, since I know sometimes they don't receive the same info and there are two collections on there killing my score that I'm almost certain have nothing to do with me.
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Stupid question here regarding 30 days. Wouldn't that be 30 business days? In other words, holidays and weekends don't apply?
Good luck.


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