Fast Credit Repair - How Damaged Credit Can Be Repaired In Less Than A Year

When was the last time you wanted to buy the car which suits your personality or

a house which felt like your dream house? Perhaps not too many days back you thought about it and the only thing which held you back from the purchase was a credit report which did not support you in taking a loan. Even if the loans were offered to you they were offered at high interest rate and short period of repayment. This might be a perfect time to take care of things and work your way around the credit report and sort your dreams for yourself.

A damaged credit report can hamper you in all possible ways. It leaves you redundant in the world of credit and holds you back from realizing your dreams. The first step to be taken by the customer is to get his report from the bureaus. Usually there is a cost the customer has to pay to get the report. Once it has been received, the next step is to go ahead and analyze those items which have brought the score down. The customer should dispute those items. The customer needs to write a letter to the bureau in which it should be specifically mentioned that the customer is disputing these points in the credit score sheet. There are many times when the letters sent by the customer directly are ignored by the bureaus for some reason or another. One of the reasons is that the letter needs to be drafted in a certain fashion and highlight points meticulously which is not possible for a layman.

A credit listing which is maintained by the credit bureau needs to be verified and ample information regarding it should be provided by the customer. Usually the customer does not go through the pain of finding out what is there in his credit report and suffers with a bad report. After continuous follow ups the bureau sends across a corrected copy to the customer.

Everyones credit report is different and depends on the kinds of transactions the person has gone through. Usually a person, if he approaches a credit repair company, would start noticing changes in 45 days of enrollment with the company. Though it is tough to put a time line as to when the entire process of repair will get completed, a period of 6 months to a year seems worth it.

The process to erase bad credit can be time consuming. If you are working within a certain time frame and need a faster process, options are available. Reading through your credit report and eliminating the negative marks, through disputation, can erase bad credit. Visit the following link for more information on how to repair your credit quickly and legally:

Increase Credit Score

by: William Roberts

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