| If your credit situation is less than ideal and you are | | | | is best to do this via certified mail, return receipt |
| trying to buy a home, you probably are interested in | | | | requested. One important thing to note is that you do |
| repairing your credit fast. While there are certainly | | | | not want to dispute too many accounts at one time. |
| things that you can do to quickly improve your credit | | | | Stick to no more than four accounts. |
| situation, it is important that you have realistic | | | | Once you have the results of your disputes, you will |
| expectations. If you have had a recent foreclosure or | | | | want to move on to the next step for any accounts |
| bankruptcy, it simply is not going to be possible to | | | | that were not successfully removed from your credit |
| repair your credit quickly. However, if most of your | | | | report. Depending on who is currently servicing the |
| recent bills have been paid on time and your problems | | | | accounts, you will want to go through the 623 method |
| are a bit older, there is quite a bit that you can do to | | | | or the debt validation method. In both of these |
| improve your overall credit situation. | | | | strategies, you are dealing directly with the account |
| The first thing you will need to do is get a copy of | | | | holder and requiring them to prove to you specific |
| your current credit report. It is a good idea to go ahead | | | | information regarding your account. If they cannot do |
| and pay for your score, because that is the only way | | | | this, they are not legally allowed to report to the credit |
| you are going to truly understand how far you have to | | | | bureaus. |
| go. | | | | If these methods are not successful in getting a |
| Once you have your credit report, review it very | | | | negative account removed from your credit report, |
| carefully. The first step of credit repair is cleaning up | | | | you will want to do a pay for delete. This is where the |
| any errors that are dragging your score down. You | | | | creditor agrees to remove an account from your |
| can also dispute legitimate negative accounts, as there | | | | credit file in exchange for you paying the account in full. |
| are methods that you will want to use later that will | | | | While you are working on credit repair, don't forget that |
| require you to have done this. You will need to dispute | | | | paying down revolving debt is one of the best ways to |
| these accounts immediately with the credit bureaus. It | | | | improve your credit score. |