subject: Is There Such Thing As Instant Credit Repair? [print this page] Is There Such Thing As Instant Credit Repair?
Whatever the reason, it is crucial to start taking steps towards credit score repair at the earliest. However, many people believe that they can improve their credit over night; this couldn't be further from the truth. Even if you were to pay up all your debts at one go, it would still take a few weeks to see any improvement in your credit scores. So, instant credit score repair is very much like a unicorn, a flight of fantasy
But not all hope is lost because there are ways in which you can repair your credit rating in a few weeks to a few months and here is how:
To begin with, you will need to know what need to be improved, what is wrong and how much improvement is needed and the only way to answer all these questions is by getting a copy of credit report from all the 3 bureaus. The good news is that if you have never got your credit report, you can get it for free each year from these bureaus.
The next step to credit score repair is to look for any discrepancies; these include incorrect dates, names, address, amount, name of back etc. Such anomalies ma be the result of identity theft do it is important to take urgent steps to dispute any errors.
The fastest and easiest way to achieve credit score repair is to pay up most of not all of your delinquent debts. Even if the amount is inconsequential, it is still vital to pay it.
Do not close down previous accounts particularly those with a good payment history.
Ensure that you have at least a few current debts (small) that are paid regularly; debts can include car loans or credit card debts but make sure that you make your monthly payments diligently.
Finally, remember to be patient, credit score repair can be a time consuming, arduous and frustrating task so if you are not up to it and can afford the fees you may want to avail the services of a credit score repair establishment but ensure that you choose the company carefully.
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