I havent always been diligent with CC payments
(college) but for about 5-10 years now I have not bought anything on credit. The only debt I have now is my house. For years I could not understand why I had a sub 700 credit score so I started purchasing all expenses monthly on a cash back card and have been building it that way. Still could not get above 710. Recently i bought a credit monitoring service which allowed all 3 reports/scores once a month.
I realized an overpayment from the government during katrina was costing me who knows how much over the life of my accounts. I did an online inquiry through all of the major credit monitoring services and disputed the items. I had all my documentation ready to prove my case, but low and behold they just took it off. So now im sitting at 790+- across the board....
Moral to the story if you have 1-3 negatives on your credit report just go to TU EQF EXP online and you can dispute items for free. If I would have known this I prob could have saved some dough on my houses. Real easy to do and they took it off 3 days after I submitted it. FYI