| Are you looking for strategies for improving your credit | | | | -Paid charge-offo Or anything other than "current" or |
| score? The one I'm going to describe here is called | | | | "paid as agreed"o Accounts listed as unpaid that were |
| "The Blitz" and, done correctly, the Blitz will boost your | | | | included in a bankruptcyo Negative items older than 7 |
| credit score in less than a week. | | | | years which should have automatically fallen off your |
| First of all, you need to obtain a copy of all the | | | | report (note: bankruptcies stay on for 10 years). |
| bureaus' credit reports. The three bureaus are | | | | Once you have done that, follow up with the finance |
| TransUnion, Experian, and Equifa. You can get a free | | | | company that made the marks. You can do this via |
| copy of each once a year. | | | | mail or email. If you need to provide documentation, |
| Make copies of the reports and put the originals in | | | | you may need to do it by mail. Email, however, |
| your filing cabinet. Then take out the copies and go | | | | sometimes gets a quicker response. |
| through the reports with a pencil. Note the following:o | | | | If you do not get a satisfactory resolution to your |
| Incorrect late paymentso Incorrect charge-offso | | | | problem in a reasonable period of time, file a dispute |
| Incorrect collectionso Credit limits reported as lower | | | | notice with all of the credit reporting companies where |
| than they actually areo Any accounts incorrectly listed | | | | the black mark appears. |
| as | | | | Some people have been able to raise their credit |
| -Settled | | | | scores as much as 100 points using these methods. |
| -Paid derogatory | | | | |