| Bad Credit Report Repair - My name is Justin and I | | | | the credit reporting agencies. |
| tried to use a credit repair company, I got ripped off, | | | | - Contact all 3 credit bureau and get your credit |
| they also tried to use illegal methods to get rid of bad | | | | reports - you need to get all three. |
| information. I now know the legal way and want to | | | | - Make sure you Identify any inaccurate or Erroneous |
| share this information. | | | | information on your credit report. |
| Your credit report and credit score is one of the most | | | | - Write letters to dispute items - detail the information |
| important things in life, you need to do everything you | | | | with clear explanations. |
| can to avoid a bad credit report. | | | | - Send the letters of dispute to the creditors and |
| I've researched hundreds of sites to bring the best | | | | bureaus. |
| information to you, I wasted so much time and it | | | | - Keep good records, this should be a habit, if not |
| caused much hardship on my family, I don't want | | | | make sure you turn it in to one. |
| anyone else to go through the same bad experience. | | | | - Make sure you request for the Credit Reporting |
| Once your credit report is damaged you will find that | | | | agency to re investigate. |
| options get smaller, but what has helped is that from | | | | - Contact the the old creditors. |
| pressure from Congress and consumer advocacy | | | | - Be sure to use registered or certified mail when |
| groups. Now we don't have to make as many | | | | mailing your dispute letters. |
| guesses about how to improve credit scores. | | | | - Then file a Statement of Dispute. |
| | | | - Monitor your credit report and make sure the |
| Here is a breakdown of what you need to | | | | inaccurate information is removed and stays removed. |
| concentrate on: | | | | Be sure to clearly identify each item in your report that |
| - Payment History 35% | | | | you want to dispute. You can add a reason like you |
| - Amount Owed 30% | | | | were very sick at the time, or were unemployed. |
| - Length of Credit History 15% | | | | These reasons help as they can be added to your |
| - New Credit 10% | | | | report and will help you when future creditors read |
| - Types of Credit Used 10% | | | | your file. |
| Know that you can certainly dispute mistakes or | | | | If after a new investigation reveals an error you are |
| outdated items, this a big help, so use it to your | | | | entitled to ask that a corrected version of the report |
| advantage. | | | | be sent to anyone who might of received your report |
| All you need to do is ask the credit reporting agency | | | | within the past six months. This is very important as it |
| for a dispute from or submit your dispute in writing. | | | | will help you get loans in the future. |
| Make sure you don't send them original documents. | | | | I hope this information gets your mind ticking over and |
| Here is a detailed list of the 11 Key Steps you Need to | | | | gets you into action. I also hope it provides you with a |
| Follow Through | | | | few tips and some good advice on how to repair bad |
| - Persist - 6 months for a dispute to be dropped by | | | | credit report when obtaining your credit report. |