Can You Repair Credit On Your Own
Usually when someone is dealing with bad credit, they feel like they have no choice but to wait for their credit to repair itself. They will do the work to get their debts paid, but then they feel like the only option they have is to sit back and wait for the items to be removed from their credit report.
But what if it didn’t have to be that way? What if you could actually start to repair your credit on your own?
Many people don’t know this, but you can start the credit repair process on your own. In fact, if you know what you are doing – the process is not as complicated as it may initially seem (depending on the complexity of your individual situation).
Where Do You Start?
First, Find Out What Needs To Be Done
Sit down and look at your credit report, then start to write down any of the incorrect credit entries that you are going to need to dispute.
It might sound scary to think about disputing credit entries, but it is really pretty simple. All you need to do is notify the credit rating agencies that your debt has been paid. It is their legal responsibility to investigate your claims and make sure that the debt has been settled.
How To Contact The Agencies
Contacting the agencies can be as easy as sending a letter of dispute in the mail. When you send a letter of dispute, make sure that you send it via certified mail – that way you can be sure that it arrives safely.
In your letter, you should list all of the inaccuracies, and you should also ask that the inaccuracies are either removed or that you are sent written proof that the items have been cleared from your credit report.
You should get a reply to the letter within 30 days. If you sent it certified mail and you do not get a response, you are eligible for $1000 from the credit reporting agency.
Remember, your credit is your responsibility. Taking the time to handle this now will save you a lot of headache later.
We have a system that will show you step by step how to get negative items deleted of your credit report (including bankruptcies, judgments, collections, and late pays). You can learn more about our ULTIMATE CREDIT REPAIR SYSTEM BY GOING HERE.