If you are in need of credit score repair, you don’t need me to tell you how important it is to see that the repairs get done. Having a poor credit profile makes life harder in many ways. You know this already. What you may not know is that repairing your credit score is actually a very straightforwardprocess, and it is one you are completely competentto take on ON YOUR OWN!Not everyone knows that according to the Fair Trade Reporting Act, everyone has the right to have EVERYTHING on his or her credit profile reporting with absolute, 100% accuracy. This means EVERYTHING! Not a single item, or part of an item, on your credit repair should be in error, however slight. If there is an error, you have a right to have that error corrected .
look over your credit report closely. If the language of it seems inaccessible to you, take it to a loan officer and ask for help reading it. Those people read these things everyday and will be able to help you understand it pretty easily.
Anything that is not reporting correctly on an account that is damaging your credit score should be rectified! All you have to do is write a dispute letter to the reporting company (Equifax, Experian, and TransUnion) informing them that the account is in error. They are responsible to repair it.
You can find many sample dispute letters on the internet. Copy or download one of those letters. Then customize it to suit your particular dispute(s). Mail it to the corresponding company with accompanying copies of your photo ID, social security, and proof of address. It then becomes the company’s responsibility to make sure that your account is either updated so that it reports right, or deleted.
Remember, credit score repair is not a quick fix sort of gig, but it isn’t brain surgery either. You are fully competent to handleit on your own, and wouldn’t you much prefer to do that than pay a credit repair company hundreds to thousands of dollars to do it for you?
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