| Many of us have bad marks on our credit reports. | | | | information that is wrong or out of date. Incorrect |
| Often it's because of things that aren't even our fault. | | | | names (variations of spelling) or old addresses for |
| Sometimes it's just old information that shouldn't even | | | | instance. Anything like this is information that you have |
| apply to us -- or information that shouldn't be on our | | | | a right to request they remove from your credit report. |
| report that got there by mistake. | | | | Once you have compiled a list of all the information |
| So is there such a thing as instant credit repair? Can | | | | you wish to dispute, you can write a letter to each of |
| you pull of some magic tricks and see results withing | | | | the agencies requesting the deletion of bad information |
| hours or days? Well, not so much. | | | | and disputing of any information you don't believe is |
| However, there are probably things you can do that | | | | correct and are requesting them to verify. |
| will improve your credit score fairly quickly - if you | | | | This part is important. If, for any reason they cannot |
| know what you're doing. | | | | verify a bit of information on your credit report within |
| The first thing you need to do is get a copy of your | | | | 30 days, they must delete it. If you have bad debts |
| credit report from the three major credit reporting | | | | with a company that is now bankrupt for example, the |
| agencies. A recent amendment to the FCRA requires | | | | chances they will be able to verify the information are |
| each of the nationwide consumer reporting companies | | | | slim. And just like that, that bad debt is off of your |
| - Equifax, Experian, and TransUnion - to provide you | | | | report. |
| with a free copy of your credit report, at your request, | | | | This may not be instant credit repair, but with the ability |
| once every 12 months. | | | | to make these requests online and the 30 days they |
| Once you have these reports, look them over | | | | have to verify information, you could potentially have a |
| carefully. Understand what's in them and what each of | | | | much better credit score in a matter of weeks. |
| the terms means. Look especially carefully for any | | | | |