You can dispute way more than you think. Anything that’s incomplete, unverifiable, misreported, duplicated, or outdated qualifies as inaccurate. Even small errors can force a deletion. The law protects accuracy, not emotions — attack the data, not the company.

You’d be shocked how “verification” really works. Most companies don’t manually investigate your dispute. They respond through automated systems like e-OSCAR. If the data in their system isn’t perfect, that’s your leverage. Verification is usually automated — meaning errors slip through constantly.

Most disputes fail for one simple reason. People focus on arguments instead of inaccuracies. Creditors don’t remove items because you’re upset — they remove items because the data they’re reporting is incomplete, inaccurate, or outdated. Win by pointing out what they can’t legally verify, not by debating with them.

A hard inquiry doesn’t hurt as much as people think. Soft pulls don’t affect your score at all. Hard pulls do, but only 2–5 points (per inquiry) and only for 12 months (sometimes 24). What really matters is why and when you’re getting pulled. Multiple inquiries for the same loan type within a short window are treated as one. It’s not the inquiry that kills you tbh It’s you looking desperate to the lender. Nobody gives money to people who need it!

How Credit Scores Are Actually Calculated Most people have no idea how their credit score is built. Its a game you have to learn or pay cash for everything Your score comes from five categories: • Payment history – 35% • Utilization – 30% • Age of credit – 15% • Mix of accounts – 10% • New credit – 10% Late payments kill your score Using all of your credit kills your score New credit damages your score (lowers history) Having different accounts (installment, revolving, store, etc…) boosts your score New credit inquiries damage your score Too much uneducated folks on my TL Don’t worry I got you