Credit Repair Self Help

When it comes to a bad credit situation, Credit Repair Self Help is a route you can definitely take. If you have the time and the patience and desire, you can fix your credit yourself. But you need to understand the credit reporting process before you begin.

Understand The Process

The best way to improve your credit is to start by gaining a good understanding of the credit reporting process. In other words, it's important to know not only which credit laws to apply and how they protect you as a consumer, but you should also have a good understanding of how the credit bureaus operate and learn everything you can about credit scores.

To learn more about how to repair your credit yourself, simply complete the form below to receive your FREE download of my ebook entitled "What Everyone Should Know About Credit Scores".

credit-ebook
Follow the process below and you will be on your way to credit repair self help.
  1. Research the credit laws that were put in place to protect you. Become familiar enough with your credit rights to challenge the credit bureaus, collection agencies, and creditors to prove their compliance with the law. If they can't prove their compliance, the credit bureaus can't legally report the non-complying items; so the negative credit information must be deleted from your credit report. It's that simple. But not always easy.

  2. Get a copy of your credit reports. You can get a free copy from annualcreditreport.com.

  3. Identify any negative items being reported by the credit bureaus.

  4. Write first rounds of credit dispute letters to credit bureaus, collection companies and direct creditors to properly dispute negative, inaccurate and outdated credit information. Go to this link to find credit repair samples letters you can use.

  5. Sign up with a good credit monitoring service to regularly monitor your credit reports and credit scores and make sure you are alerted immediately regarding any changes to your credit report.

  6. Keep track of correspondence received based on first rounds of letters you sent out.

  7. Send out second rounds of dispute letters based on responses received from first rounds. Sending out letters continues until the item is deleted, you are satisfied with the results or you feel you have done all you can with the situation.

Another part of a credit repair self help program includes the development of a long-term plan that will help you keep your credit use under control and a plan for not getting into credit problems again.

Get Credit Information and decide for yourself who to trust to help legally improve your credit!








Click Here to apply for Your First Progress Secured MasterCard.

Copyright © 2010 GCI, LLC All rights reserved
Return to top