| Do you know that you can fix your credit yourself | | | | information first. Here is a peep at damaging marks in |
| without the expensive services of a professional credit | | | | order of consequence: Foreclosure, Bankruptcy, |
| repair agency? Well, I won't bore you into technicalities. | | | | Repossession, Loan Default, Court Judgments, |
| I will quickly show you effective steps you can use in | | | | Collections, Past Due Payments, and Inquiries. |
| fixing your credit. | | | | Pay special attention to the most recent negatives |
| The first thing you will do as Mr. Fix-it is to get a copy | | | | listed on each report. This is because the most recent |
| of your Equifax, Transunion and Experian report. I | | | | ones have more of an impact than older ones. The |
| advise you use the internet because it is faster. Visit | | | | action you should take once you have completed the |
| annualcreditreport dot com to download copies from | | | | steps above is to send a dispute letter to the bureau |
| the three main bureaus. You can only get one free | | | | that listed the bad marks on your report. |
| report a year thanks to the Fair And Accurate Credit | | | | In your dispute letter, tell them to delete the entries |
| Transactions Act. | | | | from your file. The credit bureau has 30 days to |
| The next step you should take when you have gotten | | | | investigate the correctness of the entry. If they are not |
| your reports is to scan them thoroughly for negative | | | | able to verify it within 30 days, they are required to |
| information. Next, rank the information in order of | | | | delete that account from your file by law. |
| consequence. That is, you rank the most damaging | | | | |