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If you notice any errors, you can dispute them with the creditbureau. 3: Dispute Inaccurate Repossessions Disputing inaccurate repossessions is the best way to ensure that the information in your credit report is accurate and gives lenders a clear picture of your current financial situation. Wait for the bureau to investigate.
Making your payments on time is the biggest factor impacting your credit score. Paying a bill 30 days late or later can drop your credit score as much as 100 points. Late payments are not reported to the CreditBureau until they are 30 days past due, which gives you time to pay them off though generally with a late fee.
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