Fix Bad Credit Report

Bad credit sentences you to a second class life unless you know how to correct it

. Many people just ignore it since they believe that in order to do anything they have to spend a lot of money and it would take a long time. This is the furthest from the truth. You can repair your credit on your own and the way the system works, you can see improved scores as quickly as a few weeks

You don't have to live with bad credit, there are many ways you can be helped to get back on track. One of the techniques used by the experts to repair credit is to dispute the reporting practice of the credit bureau. What many people don't realize is that the credit bureaus must report your credit activity but they must also verify these records with the creditors. Right now, the credit bureaus do not verify any record of the original contract. This is a violation of the federal laws, which state the original contract issued from the creditor needs to be verified in order to substantiate the debt.

The three credit bureaus currently do not follow the federal guideline for reporting on your credit profile. When they are asked to provide the original documents for accurate reporting they cannot produce it and this forces them to delete any record they cannot verify, according to the federal guidelines. They are forced to remove these records even if the records are valid.

The bureaus do not want you to know that this is how it is done since all consumers will dispute the accuracy of their credit file. It would literally cost them billions of dollars to change the system and it would take a very long time. Also the way the system works there are many inaccuracies that are added since the reporting agencies do not ever verify the debt for accuracy. They just take the word of the creditor in most cases to compile their report.

Employers are now using credit to determine eligibility for jobs. There is no time to wait, you have to find ways to ensure your credit score is the best it can be. You can repair and get rid of the negative items on your report and you can do it yourself. It is not complicated and you can expect to see results in a few weeks. If you are struggling with student loans, repossessions, foreclosure, charge off , credit card, and bankruptcy on your report you can work to have these items removed from you record.

There are lots of tools and services available, but it can be quite confusing since there are millions of offers and many of them promise more than they can deliver. I have seen results from this little known attorney letter that has produced remarkable results for many people that were plagued with bad credit. It is very simple to follow and if you can go to the post office and mail a letter you can use the letter to improve you credit score by as much as 250 pts in I month

Fix Bad Credit Report

By: Dean F

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