Why you should NEVER DISPUTE ONLINE Did you know that when you dispute information on your credit report online, you are giving up your consumer rights and one of the most effective dispute strategies available? The “BIG 3” credit reporting agencies have turned the online dispute process into what some say is now their #1 profit center, since the introduction of E-OSCAR in 2009. They charge the creditors for the accounts you question during the di ..

Amounts owed WHAT IS A HIGH AMOUNT OWED? FICO overachievers, 720 plus scores, keep an average balance between 1% and 3%, anything over 50% is too high according to FICO. If you are currently at 100%, get below 100%. Then 70, 50, 30, 10... Know when your lender reports. If you pay your balance in full when you get the statement, you are always reporting a maxed or high card. The creditors usually send in the balance and payment history 10 days before the statement closes or at the  ..