subject: Dealing With Bad Credit Repair San Antonio [print this page] Having bad Credit Repair San Antonio is just a boon in your life that you want to throw someplace far. If you have a very poor credit store, then a lot of doors will be closed to you. Also, options will be slimmer for those who have poor credit. However, there is no easy way to repair your credit. You would have to do it in two ways: your way or through hiring a professional credit repair company. Credit repair is a tedious but nonetheless easy job. It is also quite fulfilling because you will be able to see where exactly you went wrong in handling your credit line.
Sharpening your skills
Before you go through your plan for repairing your credit on your own, you should read all you can about the process. There are a lot of Internet sites that offer how to understand credit reports and how to analyze them. Some can even teach you how to write dispute letters, so that you can change your credit line for the better. Once you have learned all the things you need to know about Credit Repair San Antonio, then it is time to request for a copy of your credit report.
Credit bureaus are required to provide you with a copy of your credit report at least once a year. If they refused to, you can report them to concerned agencies. However, if you lost your first copy, then you might need to pay $10 for the second copy. Depending on the circumstances, there is a total of three credit reports that you must review.Credit Repair San Antonio
After perusing the reports, you should make a checklist of what you should double check. This list should contain the credit and payment transactions you have made in the past seven to 10 years. This is the tricky part of Credit Repair San Antonio. You have to pour over such documents and make assess the transactions you have made for the past years. It would be helpful if you also have your own record or payments and such.
Once you noticed the anomalies, write them all down and see how this would improve your credit score. Remember that you cannot change anything that is accurate in your report. Doing so is against the law, and it might even lower your credit further.
You should know the types of credits that would need repairing. For the most part, these are incorrect information such as loans and insurances you have already paid. You should also check the dates of these payments. They should reflect the truth because late payments are not good signs also. You may also want to look at your maxed credit card accounts. If they are still reported as maxed out, you should try and correct that especially if you have already made the necessary payments.
