Your DIY Credit Repair Guide

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Your DIY Credit Repair Guide
credit repair guide
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credit repair guide

• Complete bad credit repair usually takes months
  or even years, to rebuild one's credit history.

• However, if you will start taking the necessary
  steps, as early as today, we guarantee that you
  can pave the way towards rehabilitating your
  credit profile until you can fully-regain your
  creditworthiness.

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• To do so, you must be equipped with the following
  pointers

• Order your credit report from the three major
  bureaus.
• Clean up your personal credit report.
• Face your debts.

credit repair guide
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• Order your credit report from the three major
  bureaus.

• Check your report from each of the three credit
  bureaus (Equifax, TransUnion and Experian).

• (Remember that you have the right to dispute
  incorrect details in your credit report since
  negative information can truly hurt your score).

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• - Three Ways to Order Your Free Credit Report

• 1. If you have not yet received your credit
  report for this year, you are entitled to a free
  copy from each bureau from Annualcreditreport.com
• 2. If you have applied for new credit and have
  been denied
• 3. If you are unemployed and plan to seek a job
  in the next 60 days

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• Clean up your personal credit report.

credit repair guide

• - If there are unauthorized charges in your
  report you may have been a victim of fraud or ID
  theft. You should immediately report those
  unauthorized charges to the bureau that issued
  your report as well as to the creditor involved.

• - If you notice outdated information in your
  report such as a record of bankruptcy or
  foreclosure more than 7 years, you should request
  the bureau to have these negative remarks removed
  from your file.

• - Bills that you have already paid which still
  appear as unpaid, incorrect spelling of your
  name, incorrect address, and other inaccuracies.

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credit repair guide

• How can you correct errors?

• Send a letter to the credit bureau that issued
  your report. In your letter, point out the items
  that you want to be corrected. It is also
  advisable to enclose COPIES of documents that
  support your claim. The bureau will conduct an
  investigation regarding your complaint and if
  found valid, corrections will be made in your
  report. The process can take up to 30 days upon
  receipt of your letter.

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credit repair guide

• Face your debts

• If the biggest factor for your bad credit are
  past due accounts, then you have the obligation
  to pay your creditors. What if youre having a
  hard time keeping up with repayment? The most
  important step is to speak with each of your
  creditors and request for modification with your
  current repayment terms.

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credit repair guide