FICO Score Vs. Credit Score: Are They Different? (& How To Boost Them)

FICO scores are a credit score model that creditors use to determine your credit-worthiness. Your FICO score is a legit credit score, but sometimes lenders use other models. The common link is the possibility that inaccurate items are bringing your score down. What can you do? Team up with an expert (like Power Credit Repairs) to easily dispute and remove their claims.

Are FICO scores and credit scores the same thing?

Your FICO score is a scoring model that creditors may use — and yes, it's a credit score. However, all FICO scores are credit scores, but not all credit scores are FICO scores. Popular credit score systems include:

  • Vantage Score 3.0

  • FICO

  • Industry-specific variations of the two

What do all these scores have in common? They are all susceptible to inaccurate reporting, which reduces them. Can you fix false negative items? Yes, you can dispute (& remove) these items and raise your scores. Want to dispute the easy way? Partner with an expert (like Power Credit Repairs) and simplify the process.

When can you dispute negative items (& rebuild your credit)

You can dispute negative items IF your info is reported inaccurately.

Common incorrect info includes:

  • Names and addresses

  • The reported balance

  • Duplicate records

  • Delinquency dates

If one (or more) items on this list aren't correct, it's your right to dispute their claim — and Power Credit Repairs’ experience can make it a lot easier!

How to dispute and boost your credit (& why a pro makes it easier)

The best tool to rebuild your credit is a dispute. You can dispute either DIY or w/help from a professional (like Power Credit Repairs). Here is the process (& why working w/an expert is the easiest way).

Step 1: Check your credit report for inaccurate items

Disputing negative items starts with identifying inaccurate reporting. Wondering how to find errors? Look at the detailed info for negative items from all 3 credit reports. Sound like too much work? An expert like Power Credit Repairs quickly finds mistakes, making the process a breeze.

Step 2: Write a dispute letter

There are several options for drafting a dispute letter. You can start from scratch — or find a template online. The tricky part is finding a legit template — especially when Google gives over 74 million search results! On the other hand, a partner like Power Credit Repairs handles this for you, removing the headache.

Step 3: Collect supporting docs

If you can find a legit sample letter, you need to clearly state your name, address, and what you are disputing. Then collect all relevant documents to support your claim. The catch? Make sure you send copies — not originals. Optionally, Power Credit Repairs makes this easier, knowing exactly what to send (& where to send it).

Step 4: Wait for a decision

If you manage to write a letter, compile the documents, and find out where to send your letter — the last step is waiting for results. Assuming you did everything perfectly, the dispute results are sent to you in writing. The result? After a long wait — sometimes months — the record may be removed. If you let Power Credit Repairs help, you have access to support throughout the whole dispute process.

What's your easiest way to find (& dispute) any inaccurate items: DIY or w/help from Power Credit Repairs?

Handling the dispute process on your own is tedious and time-consuming. An easier way? Let Power Credit Repairs — a dispute expert — handle the whole process (saving you time & money).

Choosing Power Credit Repairs for help with your dispute provides:

  • A tested dispute process - Power Credit Repairs uses a refined dispute process, with success removing negative items.

  • Unmatched 100% Money-Back Guarantee - Qualify for a full refund if Power Credit Repairs can't remove inaccurate negative items in 90-days.

  • Best-in-class customer support - Disputes are generally complicated and involve waiting. Power Credit Repairs beats DIY by a mile providing access to comprehensive customer support.

Boost your score today w/help from Power Credit Repairs

Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals is here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Power Credit Repairs is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2022 and beyond.

Call us at 267-399-4701 or set up a consultation to get started, today!

Get Your Credit Score Improved Professionally

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Power Credit Repairs.

Power Credit Repairs is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2022 and beyond.