Repair Credit Score

Question: Tips/ Tricks or simply myths Do you have suggestion on how to improve credit/ score?

I heard if you pay the collection agencies a dollar they cannot report you to the credit bureau, is this true? I heard you should dispute everthing at least once , it just might get deleted. I should ask anyone I pay a bill to to report to the credit bureau if in good standing. I heard not having any inquiries raises your Credit Score?
Can you talk to someone directly at the credit bureau about your score and possibly rasing it when you have paid off debt? Is your profession figured into your creidt score in any way ex being a doc vs, nurses aid?

Answer: About 4 months ago, I pulled all three of my reports and disputed 4 items. One item is still on all 3 reports and another item is only on one report. The rest were deleted. Disputing doesn't hurt anything unless you are seeking credit from a lender in the 30 days it takes to dispute. They may see your disputing as a sign and deny you. However, after 30 days it doesn't show as disputed any longer. It's usually verified to be yours or deleted. Also, if an item is deleted and the creditor later verifies it indeed is yours, it can be put back on your report at anytime.

Your profession isn't figured into your Credit Score. Lenders can consider your professions when extending credit though.

Your other questions could or couldn't not be myths. I haven't heard any of them before now though.

Credit Score Myths - Lesson 4