Do It Yourself Credit Repair

By the time you have completed this article you will have a working knowledge of the “fixing credit report process.” It doesn’t matter why you have decided to learn this process the important thing is you have made a wise decision by doing so. Repairing your credit will open up new doors of opportunity for you. It can possibly lower you monthly bills, you will have the ability to open up a bank account, rent a nice apartment, the possibilities are endless.

Before we dive in I want to say this… It is important that you remember that you didn’t get into your current credit situation overnight and you will not get out of it overnight. There are several ways that you can repair your credit, however the best way is to do it yourself. Needless to say this can save you hundreds of dollars if not thousands.

NOTE: You will want to read this part closely. I must warn you… You should prepare yourself for the shock of a lifetime. The media has spent hundreds of millions of dollars to convince you that credit repair is an extremely difficult process, and of course they just happen to have the solution which just happens to be their services.

Stay focused and watch as I pull back the mask of these low life credit repair companies. The first warning sign that you should be aware of is when they ask for money up front for their services. Once you pay them they will string you along until either your money runs out or you finally figure out that they are robbing you.

Over the years I am proud to say that I have taught hundreds of individuals to repair their credit. The part that I have found most impressive is at the start they didn’t even know what a credit report was let alone how to repair one. Within 60 days each of them had improved their credit. Each of them now know the exact procedure that is required to achieve financial freedom.

As promised I want to get you started right away. Here are some steps that you can take right now to get you started with the “fixing credit report” process. The key is to start off by building a solid foundation. You can achieve this by acquiring all three of your credit reports from the credit bureaus. This will allow you to know where you stand credit wise.

Go over your credit reports with a fine tooth come and highlight any discrepancies that you may find. Although this step may sound simple it is your foundation and it is VERY important. Even if you are unsure of something still highlight it, it is better to be safe than sorry. Do not forget to check your personal information such as your name, address, and place of work. You will want to make sure that they are all correct.

After you have highlighted all errors it’s time to prepare for battle. You will need to prepare three letters of dispute, that is one for each of the credit bureaus. You will want to dispute EVERYTHING that you have highlighted. Any decent credit repair kit will have templates of a dispute letter if you need help.  Once you have mailed your letters of dispute you are well on your way. As you can see the process is not that difficult as you were made to believe.  In reality it is pretty simple. After mailing your letter of disputes out to all three bureaus it’s time to play the waiting game. The bureaus have 30 days to respond regarding removing the items you have disputed. If they fail to respond then by law they must remove those items from your report.

Looking at the credit repair process realistically, 30 days isn’t much time for lenders to respond. In some instances the lender will respond by saying that your claims are inaccurate just to beat the 30 day deadline. They know that most people will give up after this. Since you are reading this you now know that the words “give up” are no longer in your vocabulary. With that thought in mind you should contact the lenders directly. Before doing so make sure that you have proof of your claims ready because they are going to try to keep you on the hook. After you have proven your case request something in writing stating your agreement.

I hope that you have found this information to be useful. If you are serious about repairing your credit take a look at the credit repair kit that has already changed the lives of hundreds of individuals.

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