Whats a Good Way to Fix Your Bad Credit - Quick Guide to Building Good Credit Out of Bad Credit

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Whats a good way to fix your bad credit? That question is often asked by people after they get denied some sort of financing that they desperately needed. While no one answer applies to every person their is a self credit repair method that most people can benefit from and i have outlined below

Quick Guide To Building Good Credit Out Of Bad Credit

First you need to be honest with yourself and determine how you got to the point of having bad credit ratings. These are the habits you are going to need to break before you can turn your scores around.

Nest obtain a copy of your credit reports from each of the three reporting agencies. Scour each credit report for incorrect and negative information.

The same information may not report on all three reports so make notes as to what information appears on each report.

Then when you have a complete list of accounts its time to send in some credit dispute letters. Credit dispute letters need to be formatted a certain way so the bureaus have the information they need. On each letter be sure to include your name, the date, the account number and the fact that you disagree with the information being provided.

Once the bureaus receive your letter they must contact the original creditor and request proof that the account is truly yours. If the original creditor cannot or does not supply the needed documentation then the account must come of your report. A normal time frame for this to occur in is 30-45 days.

While it sounds very easy there are tips and tricks you can use to increase your chances of success, these are normally found in a good guide to building good credit out of bad credit. Most of these guides can be down loaded to your computer and are crammed with useful tools and information to help you succeed.

A complete and affordable Credit Repair Guide that gives you a step by step plan and useful tools like credit dispute letter templates is available for down load at http://www.diycredithelper.com