Last month, and on a lark, I filed a dispute with Experian over the derogatory marks on my credit from the evil mortgage company. The mortgage company issue is ongoing, but Experian actually removed the item a week ago. I just got an email from them with the results, but this was after I’d logged into my bank account and saw my FICO score had shot up over 100 points.
* Derogatory items on your credit can REALLY take a toll.
* File a complaint if the credit report is in error. Much to my great surprise, it worked.