Fix Terrible Credit - Simple Tips To Increase Your Poor Credit Fast With Self Credit Repair
The First Step In The Process
The very first step is to buy a copy of your most recent credit report because without knowing why your scores are low you will not be able to fix it the right way. The line of attack to achieve this effectively is with a recent copy of your consumer credit report. You have the ability to purchase a credit report online very easily. You can use a free credit report that you are able to get for free once a year but that will not give you your scores, just credit history and you really should have a score to work from as a base line.
After You Buy Your Credit Report
You must then carefully read over it then put together a list of all errors and incorrect information that you see. Some different common errors are incorrect high balance, wrong credit account limit, credit cards that are not yours and for most people general mistakes. You also want to make a separate list of all the negative records that you uncover as well.
These will a lot of times include late payments, collection accounts, charged off accounts and public records such as bankruptcy. Also make note of any credit inquiries as a large number of inquiries can drop your credit scores and it is pretty common to have unauthorized inquiries on your report.
What You Are Going To Do With This List
After you compile this list you are going to have to start drafting proper credit dispute letters that you will then mail to the credit bureaus. These credit dispute letters need to state your name, disputed account number, social security number and the reasons for disputing the account. If you happen to have supporting documentation you will be able to mail that as well. Try and mail in about two letters at a time, too many at one time can cause difficulties for you along with raising a red flag with the credit reporting agencies.
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The very first step is to buy a copy of your most recent credit report because without knowing why your scores are low you will not be able to fix it the right way. The line of attack to achieve this effectively is with a recent copy of your consumer credit report. You have the ability to purchase a credit report online very easily. You can use a free credit report that you are able to get for free once a year but that will not give you your scores, just credit history and you really should have a score to work from as a base line.
After You Buy Your Credit Report
You must then carefully read over it then put together a list of all errors and incorrect information that you see. Some different common errors are incorrect high balance, wrong credit account limit, credit cards that are not yours and for most people general mistakes. You also want to make a separate list of all the negative records that you uncover as well.
These will a lot of times include late payments, collection accounts, charged off accounts and public records such as bankruptcy. Also make note of any credit inquiries as a large number of inquiries can drop your credit scores and it is pretty common to have unauthorized inquiries on your report.
What You Are Going To Do With This List
After you compile this list you are going to have to start drafting proper credit dispute letters that you will then mail to the credit bureaus. These credit dispute letters need to state your name, disputed account number, social security number and the reasons for disputing the account. If you happen to have supporting documentation you will be able to mail that as well. Try and mail in about two letters at a time, too many at one time can cause difficulties for you along with raising a red flag with the credit reporting agencies.
An Excellent resource for Credit Repair Click Here [http://www.credit-repair-guides.com]
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