Suggestions To Repair Your Credit Yourself

Suggestions To Repair Your Credit Yourself

Repairing your own credit is important not only to purchase a home.  Credit is pulled when you apply for credit, apply for insurance, and apply for a job.

Before You Get Started:

Remember do not re-live all the bad things that happened over the years!  Get over it!

Be patient.   It takes time to repair your credit.  The important thing is to get started today.  Time flies.


Create a Credit Repair Plan:

First, get a copy of your credit reports from all 3 agencies.  (Experian, Equifax and TransUnion.)

Study it slowly and read each detail.

Get rid of the incorrect information through a letter to the Credit companies. 

Deal with the creditors that you do owe or show as delinquent.

Dispute the Credit Bureaus:

Sending dispute letters to the credit bureaus is the easiest and cheapest form of credit repair. 

Provide you name, address, social, and date of birth.  Locate the creditor name, account number and amount of dispute.

Give a reason as to why you are disputing the information.  Give a brief Description.

Send the letters to each credit report agency through certified mail.

Within 30-45 days from sending a letter, you should receive an updated credit report from them.

If they delete the information do nothing else, but if they just update, you should contact the creditor/debt collector directly.

Contact the creditor/debt collector by letter.

Often together you can come up with a new payment plan, or even reduce the amount.

This information contains no legal advice.  It is written and intended for educational purposes only.  If you need legal advice please consult an attorney.








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Phone: 214-704-4618
Dated: October 7th 2015
Views: 708
About Diane: You want me as your realtor! I am an honest, dedicated, and patient person that loves working with ...

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