Repair Credit Score

Repair Credit Score

Repair Credit Score

To repair credit scores you have to first get your credit report and find out what is on there that is hurting your credit score. Obviously, the accounts that you pay on time do not hurt your credit score and do not require repair. If you have collections, judgments, late payments, public records, and/or a bankruptcy, all these things are hurting your credit score. What do you need to do to repair the credit score?

Decide what to dispute with the credit bureaus. This is your first step after you get a copy of your credit report. You don't need to be afraid to dispute everything that is hurting your score if you are not sure that all these items are reporting 100% accurately. Everything on your credit report is required to be 100% accurate and if it is not, you are allow to dispute it with the credit bureaus.

When you repair credit scores, you have to actually physically send the dispute letters to the credit bureaus and therefore you have to actually write the letters. This is what a credit repair company would do for you, but there is really no need to waste $1000 using a credit repair company when you can write these letters on your own in a few hours. There is actually one website called CreditBlossom.com that will allow you to use software to write these letters for free. It also has full instructions about how to send out these letters to repair credit score.

In any case, if you decide that you want to do this all by yourself, you can get a letter template from the FTC's website on credit repair. You can simply search ftc credit repair' on Google and it will be the first link. Read through that site as it is really an excellent guide to repair credit score.

Once you have that letter template, simply follow the instructions that the FTC gives you. However, if you want to dispute something that you are not sure is 100% accurate, but you don't necessarily have proof of this, the letters you can get through CreditBlossom.com are much better suited to your needs and you can get them there.

Once you have created the letters for credit score repair, you will mail them out. Make sure you only dispute 1 to 3 items per letter. If you have multiple letters going to the same credit reporting agency, don't send them all in the same envelope. Make sure you send them in separate envelopes and include enough current ID so the credit reporting agency knows it is definitely you sending the letters. The ID is typically a copy of your driver's license, a copy of your social security card, and a copy of your utility bill. Make sure all the addresses match on these and that they are your correct address.

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