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10 Step Credit Repair Guide
The process of clearing credit can be laborious and
frustrating, but your efforts will be paid for in better
financing. Your rights are protected by laws, but you need to
take reasonable actions toward your goal of clearing credit
discrepancies. You can get the credit reporting agencies to help
you instead of hindering your excellent credit quest with these
tips.
1. Order credit reports.
2. Check for discrepancies.
3. Note problems and discrepancies in your Credit Dispute
Log.
4. Contact disputed companies by telephone. (Contact original
debtors, not collectors.)
Log the telephone call with a brief summary of agreements.
Remember to record the name of the contact representative.
5. Follow up with certified letter to original company.
6. Write letters to collectors, dispute bill, send
documentation of payment to original company.
7. Fill out dispute form provided by credit bureau.
8. Write separate letter for each disputed item to credit
bureaus.
Send letters by certified mail.
Enclose copies of supporting documentation.
9. Use the number provided by the credit bureau and call for
progress; have your reference number handy.
10. Keep comprehensive records in your Credit File.
These ten steps will help you finance your dreams.
Copyright (c) 2005 by Jeanette J. Fisher. All rights
reserved.
Forget what you've been told about credit. "Credit Help!"
author Professor Jeanette Fisher was forced into becoming a
credit expert. She loves helping people buy houses. Get the
credit you need to buy one house or twenty. Visit Real Estate
Credit Help Center: http://www.recredithelp.com
Subscribe to Credit Help! Tips. Send a blank email to CreditTips
at reCreditHelp.com
MORE RESOURCES:
Clock ticks down on credit bureau class-action dealIndianapolis Star, United States - 43 minutes agoIn a class-action settlement, credit bureau TransUnion has agreed to provide free credit- monitoring services to millions of consumers to settle claims it ... |
MORE COLLEGE CREDITChicago Sun-Times, United States - 10 hours agoDespite the current nationwide credit crunch, the State of Illinois secured $100 million for the student loans by tapping a new source -- credit unions. ... |
Credit - Google News
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