Several factors influence your FICO score more than others. Payment history is by far the biggest

When trying to repair your credit a lot of people find out that they can write a dispute letter to the reporting agencies and have negative entries deleted from their credit reports just by mailing the agency a letter to dispute the item and hope it gets deleted. The truth of the matter is that while you can do this, it does not mean that every negative item on your report will be deleted. This is due to the fact that some of the information contained within the report may well be true.

When trying to repair your credit a lot of people find out that they can write a dispute letter to the reporting agencies and have negative entries deleted from their credit reports just by mailing the agency a letter to dispute the item and hope it gets deleted.

Many people struggle when it comes to auto loans.

When I did my own DIY credit investigations several years ago, I found it useful to useful to set up a file folder with the name of the credit bureau and the date of the inquiry so that I could track patterns in the reports. (I’ve found this type of recordkeeping useful in other areas of my professional life.) If you ultimately wind up getting nowhere with specific items on your report, it could be very useful to be able to demonstrate your efforts should you have to escalate your efforts to get something removed.