| If you are considering taking on self credit repair, good | | | | credit repair web site for another good overview that |
| for you! Let me give you a quick list of items you will | | | | discusses many of the same techniques (though with |
| want to look for on your credit report. These are the | | | | less detail) you will read here. |
| main things you'll want to write credit repair letters for: | | | | You should only dispute 1 - 3 items/accounts per letter. |
| 1. Names that are not yours or incorrect spellings of | | | | You should send a copy of documents that prove it is |
| your name. (If you have a common name or if you are | | | | really you sending the letters. This is called an ID page |
| a Jr. or a Sr., this may be especially applicable to you.) | | | | and consists of a copy of your Driver's License, Social |
| 2. Social security numbers that are not yours. (Maybe | | | | Security Card, and a utility bill with the address |
| they are one digit off or a spouse's or sibling's social is | | | | matching your DL. (If your Driver's License does not |
| showing up as yours.) | | | | have your correct address on it due to a recent move, |
| 3. Addresses you have never lived at, or addresses | | | | you need to get this fixed.) If you have multiple letters |
| that are inaccurate in any way. | | | | going to the same credit reporting agency, send them |
| 4. Credit inquiries that you did not authorize or don't | | | | individually. Don't stuff them all in the same envelope |
| remember authorizing. (For example, if you tried to buy | | | | and only dispute 1-3 items per letter. |
| a car recently, many car dealers will send your | | | | You will get a lot of mail from the credit bureaus. Make |
| application to multiple banks and they will all pull your | | | | sure you read it. They might send you a letter that |
| credit and this will create a long list of credit inquiries | | | | says your ID was not sufficient. Make sure you follow |
| which will hurt your profile and score. You should | | | | up with this letter according to the credit bureau's |
| dispute all these.) | | | | instructions right away. Failure to do that will delay or |
| 5. Public records often report incorrectly. Often paid | | | | terminate the CreditRepair process with that credit |
| judgments will not show up on your report as paid. | | | | bureau. |
| You should dispute these. | | | | Then, let everything run its course which is usually 45 - |
| 6. Any account and have no recollection of. | | | | 60 days. Once that time has elapsed, you should look |
| 7. Any collection that you paid off and it still shows that | | | | at your report again and see what progress was |
| you owe a balance. | | | | made. I have helped many people through this very |
| 8. Any account that you paid off, but the account still | | | | process and most of them have seen amazing results |
| has a negative rating. | | | | and then were able to go on to get the financing for |
| When you mail your credit dispute letters, you need to | | | | which they had previously been turned down. You can |
| have a standard method that works. Read the FTC's | | | | do the same thing, and you can do it on your own! |