subject: Bad Credit Repair Yourself – 4 Steps to Repair Bad Credit Yourself [print this page] Bad Credit Repair Yourself 4 Steps to Repair Bad Credit Yourself
Your bad credit, there are contracts for convenience or to avoid losing what you want? In terms you can live with? Let me with you a little story with you A few years ago I was terribly bad credit. Although in the first place was for the fair, that .. is to blame for having robbed my house of your dreams and all the other things, wanted and deserved. Which brings me to a journey leads Has some advice on bad creditI find myself changing.
There are many ways for you and me for the repair of bad credit. It 'easy if you know how and I'll give some tips on how to repair bad credit same.
First step get your credit report
The order to transfer their reports. You know what's really in his credit report and if you do not like you should. Reviews I said: 'Report'. Why? because there are 3major rating agencies (Experian, Equifax and Trans Union) and each has its own database. You can get 1 free credit report annually from each agency. Check your reports and note any errors, incomplete or incorrect entries that are not yours.
Step Two Know your rights Fair Credit Reporting Act
Before the credit reporting agencies for the challenge Visit the Federal Trade Commissionto learn (http://www.ftc.gov/bcp/conline/pubs/ credit / freereports.shtm) and what your rights as a consumer. Believe me? If I said I must meet, after the removal of incorrect or incomplete entries on your credit report and credit agencies, under threat of federal law.
Phase III The time to contest the action of the credit agencies
Now you have an idea of what their relationship It is timeChallenge, an anomaly. Sit down and write a letter to each credit reporting agency false rumors Currently the police "claim fear." Come These organizations are nothing more than a clearing house, is a target, collect and store credit information about you and me .. We are selling this information to provide dealers with a credit application.
They have no special power over us only in the economy, oneBuck.
Step Four Monitor your progress We will continue to fight for his reputation
Well, you have the letters of protest triggered gaps And now? It's time to play the game on hold. It takes a maximum of 30 days for their disputes by the creditor in question should be reviewed and, if you can Errors are eliminated.
If the credit bureau to send a reply saying that you have an account in discussion . Why relax? Here's how to check their accountsCreditors. The lenders send a small single-page form that creditors and debt collectors have with your name, SSN, and does not have detailed information is available to fill. Creditors check your files and either can not confirm Yes , it's yours or not, he said. .. and removes the item from your credit report. That's It!
