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How to Repair Your Credit ((Part Two))
Repair your credit with these easy steps
1. Get copies of all three of your credit reports.
2. Go over the 3 reports and highlight the negative credit items.
3. Start Disputing any and all negative
accounts with the designated credit bureau.
4. All disputed items must be
corrected or deleted. Items that have not been re-verified
or confirmed must be removed.
5. Try to negotiate with your creditors and/or your collection agencies.
6. Following negotiations and making payments on your account, creditors should change
any negative items to positive or delete them all together.
7. Clearly point out the items you are
wanting to dispute and please do not use provided dispute forms by the bureau.
Using these forms cause less of a delay by credit bureaus you are requesting clarification
from. (Remember, we need those delays)
8. Never confirm any account if their nformation is
inaccurate.
9. Never use any letterheads as
that will raise Red Flags we cannot afford to have raised.
10. Never Xerox a premade dispute letter
(Be original).
11. Try to send your disputes during the busiest time of year. For Example: Beginning to the
15th of November usually causes a huge verification delay because of Thanksgiving.
Also, Christmas time for your creditor and/or the credit bureaus can also cause them a huge delay before they
have a chance to investigate within the 30 day period.
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