Repair Your Own Credit - It s Easier Than You Think!

Attention - anyone sick and tired of being imprisoned by bad credit now is the time to arm yourself with valuable information to make major changes! Unfortunately, many people still think the only way to repair credit is to hire a lawyer or work with a credit repair business. The problem is that attorneys are extensive and the majority of credit repair companies are nothing but scams (there are a few legit services, but they tend to be few and far between). The good news is that you can repair your credit on your own and get excellent results.

The process to repair your credit is actually much easier than you might think. People generally shy away from this because they fear it will be a long, drawn out process, much too difficult to handle. However, in truth, the process is easy once you know how it all works. The first thing you will need to learn is what your credit report is saying. For this, you need to contact all three reporting agencies. Keep in mind that credit bureaus report information from different creditors. In other words, they will all be reporting slightly different information, which is why you need to review all of the reports, not just one.

You can order a copy of your credit report online or through the mail. The following is the information you would need:

Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA. 30374
(800) 685-1111
www.Equifax.com

Trans Union LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
(800) 888-4213
www.Transunion.com

Experian
National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013
(888) EXPERIAN
www.Experian.com

Once you receive your copy, you need to go through each item very carefully, looking for inaccuracies. For example, you may notice an account listed as open, which was actually closed or you might find an account that is not even yours. Therefore, look for erroneous, misleading, out-of-date, or inaccurate information. Once you have identified errors, you would file a formal dispute to the respective credit bureau.

To repair your credit, that is really how simple it is. The key to success is two things - documentation and follow up. When you file your dispute, we strongly recommend you also include any documentation of proof, which will give you a much better chance of getting the corrections done right. Then after you file your formal dispute, you will receive an updated copy of the credit report. Rather than assume everything is perfect, go over the new report again. Many times, a second dispute is required so do not get frustrated just expect that a second dispute will likely be required.

The thing to remember is that the steps to repair you credit does not require any kind of special training or knowledge. You do not have to be an accountant or CPA, all you need is a copy of your credit report and the correct dispute letter. The truth is that while you will find all types of advertisements from lawyers and credit repair companies, no one can repair your credit as well as you can.

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