| When my brother was seeking to buy his first home, | | | | population of those in the credit repair industry. You |
| he asked me for help in two specific areas. He asked | | | | really have to be mindful of who you listen to. |
| how to fix his credit report and how to raise his credit | | | | Having said that, let me remind you also of where you |
| scores. Well, as I mention to all of my clients during our | | | | are entitled to a free copy of your reports over at So |
| initial consultation, it's not necessarily hard to do, it's just | | | | please don't pay these companies for what you're |
| hard to know how to weed out the unethical, or | | | | rightly due. |
| outdated advice on the Internet. In fact removing errors | | | | Following the above three simple steps you can indeed |
| and raising your scores can be simplified into the | | | | fix your reports and make them free of errors. Once |
| following three steps. | | | | you accomplish step three, wait about 30-40 days and |
| 1. Order your free credit reports | | | | you should get replies from each of the credit bureaus. |
| 2. Analyze your reports for errors | | | | If you find no answer back, make sure to send a |
| 3. Send in account dispute letters to the credit bureaus | | | | follow up warning and copy the FTC so they will think |
| Sounds easy, but why all the confusion on the web? | | | | twice about ignoring your requests again. Remember, |
| The main reason is that people have personal values | | | | always send correspondence with the credit bureaus |
| and ethics, and while you and I might enjoy a set of | | | | "certified mail, return receipt requested". |
| ethical standards, it certainly doesn't represent a large | | | | |