Fixing Credit After A Short Sale Step 9: Rinse & Repeat

Bountiful UTAH – The next step in your path to an improved credit score is to do what they say on the shampoo bottles: Rinse and Repeat.

Get my Free, Step By Step Loan Modification Guide by clicking here.

In the Rinse and Repeat phase, you just keep working their system.

 Here’s what I mean: You send in a dispute, maybe disputing the date that the account was opened, and the credit reporting bureau can’t verify it, and they pull the whole listing off your report!

You can’t keep submitting the same dispute reason over and over again to the bureau – they will view you as a nuisance and will dismiss your disputes as frivolous. Also, don’t bombard these folks with your disputes – you won’t get the desired results. But, you can dispute information that needs to be verified.


The suggested order of ways to dispute are:

1. Not my account
2. I didn’t pay late that month
3. That is the wrong amount
4. That is the wrong account number
5. That is the wrong original creditor
6. That is the wrong charge-off date
7. That is the wrong date for the last activity on the account
8. That is the wrong balance
9. That is the wrong credit limit
10. That is the wrong status of the account 
11. That is the wrong highest amount I owed at any time (High Credit Amount) 

You can challenge the same listing on your credit report in the Rinse and Repeat phase. The first time, you might say “not my account” and the next time you would say “I was never late.” You just never know when you’ll find the dispute that gets the listing taken off of your credit report.

Send your dispute in, and let the 30 day clock run. But, like I said before – don’t bombard them immediately after getting your results. Wait 60 days between disputes. Keep excellent records of your efforts.

Be persistent, be insistent, and more than likely it will pay off.

Thinking about a loan modification?Our Bountiful loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at utahhomesaver@gmail.com to request a Free Copy.

Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at utahhomesaver@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have.

Or, if you prefer, you can call me at (801) 651-0707

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Dave Forsberg.

Dave is a Real Estate Agent at Prudential Utah Real Estate - Bountiful. Bountiful Short Sales Realtor:

Phone: (801) 651-0707. utahhomesaver@gmail.com.

Greater Salt Lake Short Sales. Real Help for those that need it most.

View My homes for sale at BuyUtahNow.com.

David Forsberg specializes in loan modification assistance and short sales in Bountiful Utah. Bountiful Loan Modification Help, Bountiful Short Sales. Bountiful Short Sale Realtor Bountiful UT Short Sales. Bountiful Realtor.