Cleaning up all your credit errors is quite simple. 清理所有您的信用卡错误是很简单。 Deleting negative credit that is accurate also requires some assistance. 删除负面信用是准确还需要一些援助。 Credit report mistakes can easily disappear through the use of a simple letter dispute. 信用报告的错误可以很容易地消失，通过使用一个简单的文字纠纷。 That is how easy it is. 这是多么容易。

If you gather all the paperwork that can prove that the error is really as mentioned above in Rapid Rescore, you can send copies of that together with the dispute letter. 如果您收集的所有文件，可以证明该错误是真的如上所述快速Rescore ，您可以发送的副本，连同争端的信件。 This will make the credit bureau's job more easy and you will get your results faster. 这将使信用局的工作更容易，你将获得更快的结果。 If you don't have the right documentation that can prove the mistakes, you should send the dispute letter anyway. 如果您没有正确的文件，可以证明的错误，你应该把信反正争端。 According to federal law; the credit bureaus have a reasonable amount of time in order to validate your claim. 根据联邦法律;的征信机构有一个合理的时间，以验证您的要求。 They will need to contact the creditor to verify your dispute. 他们将需要联系的债权人，以验证您的争端。 From there onwards the account will be reported properly or will be deleted. 从那里开始，到将报告正确或将被删除。 Generally, it has been accepted that the reasonable amount of time is about one month or 30 days. 一般来说，它已被接受的合理数量的时间约为1个月或30天。

3. 3 。 Riding Someone Else’s Credit Coat Tails 骑别人的信贷大衣尾巴

This is a quick and not very well known method to boost your credit score. 这是一个快速，而不是众所周知的方法来提高您的信用评分。 However, it requires a relationship of trust. 但是，它需要一个信任关系。 More basically, someone else will have to add you to their credit account for this to function. 更多基本上，别人将您添加到其信用帐户的这一功能。 For instance, when you apply for a credit card, you might’ve seen the section where you have to add a card holder. 举例来说，当你申请信用卡，你可能已经看到了部分，你必须添加一个信用卡持有人。 This is where you will want to add someone to your account as their payment history will now be reported on your credit report as well. 在这里，您将要新增某人到您的帐户作为其付款历史现在将报告您的信用报告，以及。 If they have perfect credit, then you will also have a perfect credit account. 如果他们有完善的信贷，那么你也将有一个完善的信用帐户。

If you want to improve this further, you can use an account which is aged. 如果你想进一步改善此，您可以使用一个帐户是老年人。 Meaning that if your friend or family member has a credit card account which is 10 years old, with a perfect payment history and a balance of only half of the credit limit, that implies that this will become part of your credit history too. 也就是说，如果你的朋友或家庭成员有一个信用卡帐户，这是10岁，有一个完美的付款历史和平衡的只有一半的信用额度，这意味着，这将成为您的信用记录了。 The easy part about this is that this person will just call the credit card company and request a form in order to add a cardholder. 最简单的部分，这是这个人将会直接打电话给信用卡公司，并要求一种形式，以添加一个持卡人。

More advice for a good bankruptcy recovery process, Bankruptcy Recovery 3 更多的意见有一个良好的复苏进程破产， 破产恢复3款