It seems that as the holidays come around and so many people are busy planning parties, decorating houses, and shopping for gifts, productivity in the workplace suffers. People start leaving work a little earlier, more workdays are missed, and even when people are sitting at their desks, not as much work gets done.
What is true of your office is also true of the credit bureaus and the creditors who report to the bureaus. That is why now is the perfect time to start disputing the negative items in your credit reports. The credit bureaus have to investigate your disputes within 30 days do disputing items now will place their investigation period right in the heart of the holiday season.
This is the perfect scenario for you because not only are the credit bureaus going to be less efficient during the holidays, but the creditors the credit bureaus need to contact are also going to be less responsive. With all of the other things the creditors have to deal with in the holiday season, especially creditors linked to the retail business, they are going to be less inclined to spend their time helping the credit bureaus verify the negative items in your credit reports.
Since no one is really in the mood to properly investigate your dispute, your odds of having the credit bureaus not be able to verify the negative listing within 30 days are increased. These unverified negative items are then removed from your credit reports.
Just make sure to be careful with your dispute as the credit bureaus tend to classify a larger portion of disputes during the holidays as "frivolous or irrelevant". If you aren't familiar with how to best frame your disputes, now may be the perfect time to get a credit repair expert to help you improve your credit.
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