Outside of BHW and IM we all do have a life we have to maintain and unfortunately it is based upon our credit scores... I know this is off topic of IM but this is something that affects many daily... Being able to fix your credit can help in any business decisions you may have down the road, especially when it comes to investments. So now is the time to dispute any issues you feel don't belong on your score. Any inquiries or any debts that are paid off but continue to stay on there, that ultimately affect your score. So why is now the time to start disputing your credit report? Because its the end of the year... The holidays are coming, vacations are coming, and a lot of people will be applying credit in the next coming months. What this means is that is betters the odds of them not replying to your dispute in the 30 day time frame due to the fact that so much is going on... All this info has been given to me by a friend who is a big time lawyer. By law each credit agencies has 30 days to respond to your dispute or they have remove from credit... Steps to proceed: 1. Get a free credit report. Each person is allowed 1 free a year. I would suggest not going with ****************.com (obviously they cost money). According to ftc.gov, annualcreditreport.com is the only authorized source to get your free report. 2. Go through all reports from all 3 agencies and see what you think doesn't belong or would like to have taken off. 3. Prepare a letter that you will send to all 3 agencies. You can find many example letters online, just search Google. Here are addresses to 3 agencies: Code: Equifax P.O. Box 7404256 Atlanta, GA 30374-0256 Experian Dispute Department P.O. Box 9701 Allen, TX 75013 TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19022-2000 4. Send your dispute... My suggestions would be wait till first couple weeks in November. That is the prime time that everyone starts to get ready for the holidays. Shopping, vacations and many applying for credit cards and such. Make sure you postmark your letters, because they have 30 days to respond... Here is my BlackHat technique. There are 20,000 members here. Imagine if 5,000 people wanted to dispute your report. All 5,000 people will do all the preparation necessary and get ready to mail on the same day in November. This means that each agency will get all 5,000 pieces of mail within days along with all the other issues they have to worry about. This can only mean that it will make it harder for them to get their response back in the 30 day time frame. What would you do if you had 5,000 pieces of mail show up at your house... I would freak out. So anyway, its time to stop getting screwed when you apply for anything and take back your credit... Who would like to do a BHW credit JV?