These
credit
report repair steps are easy to
follow. Please read carefully and start building your credit scores!
Step 1: Obtain a copy of your
credit report
If you don’t know what is wrong
with your credit score to begin with, how are you to fix it? One of the
main reasons behind getting a credit report for you to review is to
make sure your information is correct and accurate.
Don’t
only pay attention to your credit history, but also your name, address,
and other personal information. If someone has tampered with your
information, you will want it corrected.
Step 2: Find and Dispute
Once you have a copy of your credit report,
one way to initiate credit report repair is by finding discrepancies of
any kind. If you do so, you will need to write or call the credit
bureau to report the flawed information and dispute it.
It is not
uncommon for some folks to call the lending agency that has the invalid
information to remove it. This move, however, usually doesn’t
have successful results.
Step 3: Create a List of Negative
Items on your Report
After creating this list, decide if you
would like to argue the negative items. If there is anything that you
don’t agree with, you should dispute it. This isn’t
common knowledge, but when it comes to challenging items on your credit
report you have the advantage.
Step 4: Write Letter to the Credit
Bureau
This is probably the most difficult aspect
of credit report repair. Many people think this step is really
difficult, but it doesn’t have to be.
When disputing your
negative items on your credit report, you essentially have two options.
You can do it online, or the traditional way of writing a letter. Both
options work really well, so do the one that is most comfortable to
you.
Step 5: Use a Letter Someone Else
Has Written
If you aren’t sure how to dispute
your items in a letter, you should find an example of one that has
already proven itself worthy.
You can also find a variety of templates
online and in books. These formatted letters will help you get a great
start to writing an effective letter.
Step 6: Support Your Claims
Make sure you attach any documentation to
support your claim when sending in your letter. The more proof you
have, the better. If you don’t have any documentation or
proof, send a letter anyways and see what happens. In many cases the
items are removed.
Step 7: Watch the Calendar
The reporting creditor has only 30 days to
review and respond to your dispute. If proper action hasn’t
taken place within 30 days, the item is automatically removed. So,
sending in a letter isn’t a bad choice after all.
Step 8: Don’t Give Up
If you claim is rejected the first time, be
persistent. You can continue sending in letters requesting that the
item(s) be removed from your report. Eventually, you will win.
Step 9: Stay Organized
When it comes to credit report repair, you
need to stay organized, especially if you are disputing multiple
negative items. Keep track of your time and documentation. Stay on top
of things by dealing with response mail as it comes.
Step 10: Take a Breather
If you have followed the first 9 steps, you
can probably relax now. It is very likely that your credit report
repair adventure has brought your score up.