Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY credit repair tips that you can use to get started.
The Essential DIY Credit Repair Tips Needed For Success
Get Credit Reports- The first thing you will need is copies of your credit reports. Do not make the mistake of getting one copy, instead order a copy from each of the three credit agencies. They as follow Trans Union, Experian , Equifax. The reason you want a copy from each agency is that each one may report slightly differently then the other. If you just assume that they all are reporting the same negative information you could be disputing accounts that do not exist with tat bureau and doing more work then need be.
Get a Good Credit Repair Kit- A good credit repair kit can be purchased online for less then $70. A good kit should contain examples of credit dispute letters, a step by step plan of action for you to follow and a current set of rules and regulations regarding DIY credit repair. Aside from just telling you how to fix your credit a good credit repair guide should also tell you how to establish new credit and list some sources a well.
Keep Good Records- Get yourself a set of folders for each credit bureau and keep only records for that particular agency in the folder. It will make your job of self credit repair much easier if you are organized and can find documents quickly instead of shuffling through a huge stack of papers.
Copy And Document Everything- Anytime you are fixing your own credit you should be making copies of everything you send to the creditors and credit bureaus and making notes of any conversations you have with them or your creditors. Also make copies of any letters that are sent to you by the credit agencies or the creditors themselves.
Be Patient With Your Efforts- Since you did not get yourself into bad credit overnight you will not get good credit overnight either. It is going to take time and persistence on your part to ensure your credit is patched up and repaired to the level you need it at. If expect to much to happen to early you will more then likely give up early and nothing positive will happen. So keep realistic results in your head and keep your eye on the end goal and you will succeed with DIY credit repair.
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