How Can I Improve My Credit Score - The DIY Credit Repair Process Explained

How can i improve my credit scores is a question that many people ask, especially after being denied a loan or credit card. These people often turn to credit repair companies to help them, but do they really need to pay for these services

Doing Self Credit Repair Will Improve Your Credit Scores

The companies that charge you a fee to clean up your report are doing nothing that  you cannot do on your own. Not matter what they tell you they have no secret contacts in the credit bureaus, they have no special software or secret techniques.

What Does Self Credit Fixing Involve

In its simplest terms it is a process in which you communicate to the reporting agencies that you do not agree with certain information on your credit report.
The agencies then have to communicate with the original creditor for the disputed accounts. The original creditors then have to prove to the bureaus that information about your account is in fact true
If the original account issuer is unable to provide them this information then the accounts must be taken off your report and can not be placed back on unless a different creditor like a collection agency takes the account over.

How Do you Communicate With The Three Bureaus

The easiest way to get in touch with the reporting agencies is through credit dispute letters. These letters should include you name, address, account number you are disputing and the reason you believe the information is not true.

You can also dispute online but credit dispute letters allow you a chance to provide more information.
While it is true that there are correct ways to go about disputing negative and false information on your credit report this information is not a guarded secret and can normally be found in any DIY credit repair book available for purchase on the Internet.

Where Can I Get More Information On Self Credit Repair

For an affordable Credit Repair Guide that gives you a proven step by step plan as well as effective credit dispute letter templates head over to http://www.creditfix123.info right now