Pre-qualification doesn't affect your credit score. However, if your credit is in rough shape you may have a difficult time getting prequalified for any new lines of credit. The fix? Work on rebuilding your credit by disputing any inaccurate negative items. You can make disputes simple when you team up with an expert like Credit Glory.
Does Pre-qualification Affect Your Credit Score?
Pre-qualification for a new line of credit is normally a good thing — and doesn't hurt your credit score. What if you can't get prequalified? Your credit score may need some work. The best way to improve your credit score is to dispute any inaccurate negative items on your credit report.
How to dispute negative items yourself (& how a pro can help)
Here's how you can dispute inaccurate negative items on your own (& why it's no cakewalk):
Step 1: Check your credit report for inaccurate items
Disputing negative items starts with identifying inaccurate reporting. Wondering how to find errors? Look at the detailed info for negative items from all 3 credit reports. Sound like too much work? An expert like Credit Glory makes the process a breeze.
Step 2: Write a dispute letter
There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner (like Credit Glory) can simplify the process with proven results.
Step 3: Collect supporting docs
If you find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. A key here is ensuring you send copies — not originals.
Step 4: Wait for a decision
If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed.
Your easiest alternative to a DIY dispute is Credit Glory
For a simplified and painless dispute process, working with a pro (like Credit Glory) is the way to go. A pro knows disputing techniques and how to support your claim. Then provides excellent support along the way. When that pro is Credit Glory, you also have confidence backed by high ratings (4.9/5.0 Stars) from thousands of satisfied customers.
Credit Glory makes it easy for you to dispute inaccurate items!
Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)
Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2021 and beyond.
Call us at (855) 938-3044 or set up a consultation to get started, today!
Get Your Credit Score Improved Professionally
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 461-0151 or setup a consultation with them. They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.