Cleaning up all your credit errors is quite simple. 清理所有您的信用卡錯誤是很簡單。 Deleting negative credit that is accurate also requires some assistance. 刪除負面信用是準確還需要一些援助。 Credit report mistakes can easily disappear through the use of a simple letter dispute. 信用報告的錯誤可以很容易地消失，通過使用一個簡單的文字糾紛。 That is how easy it is. 這是多麼容易。

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，可以證明該錯誤是真的如上所述快速Rescore ，您可以發送的副本，連同爭端的信件。 This will make the credit bureau's job more easy and you will get your results faster. 這將使信用局的工作更容易，你將獲得更快的結果。 If you don't have the right documentation that can prove the mistakes, you should send the dispute letter anyway. 如果您沒有正確的文件，可以證明的錯誤，你應該把信反正爭端。 According to federal law; the credit bureaus have a reasonable amount of time in order to validate your claim. 根據聯邦法律;的徵信機構有一個合理的時間，以驗證您的要求。 They will need to contact the creditor to verify your dispute. 他們將需要聯繫的債權人，以驗證您的爭端。 From there onwards the account will be reported properly or will be deleted. 從那裡開始，到將報告正確或將被刪除。 Generally, it has been accepted that the reasonable amount of time is about one month or 30 days. 一般來說，它已被接受的合理數量的時間約為1個月或30天。

3. 3 。 Riding Someone Else’s Credit Coat Tails 騎別人的信貸大衣尾巴

This is a quick and not very well known method to boost your credit score. 這是一個快速，而不是眾所周知的方法來提高您的信用評分。 However, it requires a relationship of trust. 但是，它需要一個信任關係。 More basically, someone else will have to add you to their credit account for this to function. 更多基本上，別人將您添加到其信用帳戶的這一功能。 For instance, when you apply for a credit card, you might’ve seen the section where you have to add a card holder. 舉例來說，當你申請信用卡，你可能已經看到了部分，你必須添加一個信用卡持有人。 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. 在這裡，您將要新增某人到您的帳戶作為其付款歷史現在將報告您的信用報告，以及。 If they have perfect credit, then you will also have a perfect credit account. 如果他們有完善的信貸，那麼你也將有一個完善的信用帳戶。

If you want to improve this further, you can use an account which is aged. 如果你想進一步改善此，您可以使用一個帳戶是老年人。 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. 也就是說，如果你的朋友或家庭成員有一個信用卡帳戶，這是10歲，有一個完美的付款歷史和平衡的只有一半的信用額度，這意味著，這將成為您的信用記錄了。 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. 最簡單的部分，這是這個人將會直接打電話給信用卡公司，並要求一種形式，以添加一個持卡人。

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