Real Estate Investing - Investment Articles Forum Tips Clubs

Repair Your Credit in 10 Steps

Many people have been asking if they can fix their credit score themselves. There are steps, which are outlined below, that people can follow to repair their credit. However, we have found, that it is not the actual steps that are difficult, but the time and running around it takes to see any results. Most people do not have the time, patience and stamina to do what it takes.

If you would like to take on the challenge yourself, follow the steps below, take good notes, be organized and stay on top of it 'till the end. If you would like more information on a credit repair service that is legal and customer oriented, feel free to visit Backyard Credit Repair for a Free Credit Report Guide.

Step 1

Get copies of your credit reports. Once you have your credit reports in your hand, review them carefully for inaccurate information. After reviewing them and you find errors, use a sample dispute letter that you can find on the internet to dispute the errors you found. Send this letter by way of certified mail and return receipt. The credit bureaus have 30 days to investigate the inaccurate information and get back with you. If they cannot complete the investigation within 30 days, then according to THE FAIR CREDIT REPORTING ACT, they must delete the item.

Step 2

If 30 days has past and you still have not heard from the credit bureaus, then send out a follow-up letter restating the inaccurate information in your credit reports.

Step 3

Once you get your credit reports back after the 30 days and you notice that the errors have not been corrected, then send out a more threatening letter using the language from the FAIR CREDIT REPORTING ACT,

Step 4

After receiving your credit reports for a fourth time, and the credit bureaus still have not fixed the errors, then inform the credit bureaus that if they don't fix the problems in your report, you will file a complaint with the Federal Trade Commission.

Step 5

Still have not seen any changes in your credit reports, then file a complaint with the Federal Trade Commission and attach a copy of your complaint to your 5th dispute letter. In the 5th letter you will inform the credit bureaus that you will file a complaint with the office of the Attorney General.

Read more steps...

Credit Repair Solutions for everybody. See how we can help.

Download a Free Credit Report Guide.

Share the wealth: