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Credit Repair

Credit Repair

If your credit score is lower than 600, then you know the pains and annoyances that come along with having a bad credit score. So much of your financial life is dependent on that ever-so-important three-digit number, and if your number is low, it can be detrimental. If you have a bad credit score, lenders, banks and creditors unfortunately look at you as if you have a red stamp on your forehead that says "financially unreliable." The good news is that if you are one of the many Americans with a low credit score, there are methods of raising it and clearing your credit report of the negative items that appear on it.

Do you find yourself not being able to qualify for even the smallest loans or high-interest credit cards? Then you are definitely in a position to consider credit repair. There are two different options when it comes to repairing your credit: you can do it yourself, or you can hire a company to do it for you. The benefits of each option are fairly obvious. Repairing your credit yourself is very time consuming, but it costs nothing to you. Getting a company to repair your credit for you takes no effort on your part, but requires a small fee. This concept is similar to how you might bring your car to a car wash: you take some time out of your day and do it yourself, or you could pay a car washing service to do it for you in 10 minutes.

Learn how to Repair your Credit

Would you jump into a service without knowing exactly what it entails? Probably not. That's why it is important to fully understand the credit repair process before attempting to pursue it yourself, or hiring a company to pursue it for you. At its most simple form, there are three steps that go into credit repair. These steps are: reviewing your credit report for errors, mistakes and questionable items; disputing the items; and resolving the items. What do we mean by errors and mistakes? Allow us to explain.

Just about 25% of credit reports contain errors, mistakes and questionable items, so you have a high likelihood of having some on yours. If your report does indeed contain any errors, then you may be able to have some leverage against the credit bureaus. After identifying the results, you must write dispute letters to the credit bureaus that notify them of the mistakes that you found. According to the Fair Credit Reporting Act, any negative items that are improperly recorded on a credit report are required to be removed if they cannot be verified by the credit bureaus after 30 days. If this is the case, your negative item will be wiped from your credit report completely, even if the debts are still due.

This proven-to-work method of credit repair is centered around persistence of dispute. When dispute letters are sent to the credit bureaus, they are legally, according to the Fair Credit Reporting Act, obligated to review them and send a response letter in 30 days. We have had over 15 years of experience in this credit repair process, and we are extremely confident of its effectiveness. If you are going to attempt the credit repair process on your own, then you should get in contact with one of our credit repair experts for more details on how to properly go about it. Likewise, if you feel more comfortable having a credit repair company doing it for you, then contact us about how to find the right company for you.