Free Credit Repair Tips - How To Get Rid Of Bad Credit Without Paying Someone Else To Do It For You

Are you looking for free credit repair tips? Do you want to learn how to get rid of bad credit

? Want to repair your credit report, but don't know where to start? If so, this article is for you.

Most people know how a bad credit rating affects your ability to obtain good rates on loans and credit cards. Your credit rating can also determine whether or not you get approved for an apartment. You can erase bad credit and rebuild your credit on your own if you have the right information.

Repairing your credit report starts with ordering your report from the credit bureau. Credit bureaus will charge you a fee to send you a copy of your report. However, if you have been denied credit because of information on a report issued by a credit reporting agency, then you can get a free report from that agency within 60 days. Also, you can obtain a free report annually from each of the three major credit reporting agencies.

When you receive your report, review it carefully. If you find incorrect or inaccurate information on the report be sure to write it down so that you can take care of it right away by disputing the the error with the credit bureau.

To file a dispute, you need to write to the credit bureau that sent you the report and tell them what you're disputing and the reason why you're disputing it. Request an investigation and correction of all disputed items. Also be sure you send your letter by certified mail, return receipt requested. That way, you have proof that they received your dispute. It's important that you keep copies of everything you sent.

The credit will investigate your dispute. If they cannot verify the disputed item within a reasonable period of time, they must delete the item from your report. Also they must send you an updated copy of your credit report.

The dispute method is just one way to erase bad credit. You can use this method to get rid of most of the negative information in your report. There are other ways to eliminate negative entries that appear on your report.

If you don't get anywhere with the credit bureau, or if you want to explain a particular item, you have the right to add a 100-word statement to your file. All who review the report will see your version of the story.

Do-it-yourself credit repair is something that can be done by anyone if they know how the system works. If you want to learn how to do something, find someone who is an expert at it, and then make them reveal all their secrets to you. A good credit repair ebook or guide can lead you in the right direction to repairing bad credit.

by: Conleth Onu

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