subject: Bad Credit – Repair Advice [print this page] Bad Credit Repair Advice Bad Credit Repair Advice
If you need advice to repair your bad credit you have found a good place to start. It really isn't as difficult as you might think, but it will require a little patience and a little time to find this bad credit repair advice on the internet. There is so much free advice on the internet and it is difficult to tell if the bad credit repair advice you are reading is correct.
Here is what to look for. You need to get your credit report. Don't be fooled into buying everything else that the credit report companies offer you. You don't need all that. You should think about Identity Theft protection though. I digress. Just get your credit report. That is all you need to start. Then, look it over and figure out what you need to dispute. Bad credit repair advice from an actual credit repair company might actually tell you to dispute anything negative on your report. You can do that if you are not sure that everything you are going to dispute is reporting 100% accurately. You don't want to dispute anything reporting 100% accurately, but it would be difficult to prove that you knew it was 100% accurate. Once you have decided what to dispute, you need to write your dispute letters. This is a pain because it is time consuming and tedious. There is one website that can take a lot of the pain out of it because they allow you to use a free online application that is credit repair software. The site is creditblossom.com and it is completely free.
When you write your letters, you need to include the name of the account and the account number of the account that you wish to dispute in the dispute letter. You don't want to dispute everything you are going to dispute with the credit reporting agency in one letter. You need to dispute 1 to 3 items per letter. That is all.
After you have written the dispute letters, you need to make sure you send them out correctly to the correct address. You can find these addresses in many places on the web and on the agencies' websites. When you send the letters, make sure you include a couple forms of ID with the letters because the credit reporting agency wants to know for sure that it is you sending out the letters. If you don't send them the proper ID, you will greatly slow down the process and you will have to follow up to the credit reporting agencies with your correct ID anyhow. So, make sure you send it correctly the first time. If you look on creditblossom.com's site or blog, they have a good video that explains how to put together the ID you need to send with the letters.
