| Repairing your credit is possible but even the quickest | | | | your claim. The first step is to first of all get your hands |
| way may take a little time, only because you are at | | | | on a copy of your credit report. |
| the mercy of the credit bureaus in terms of how fast | | | | Once you have a copy you want to circle all the |
| they make any changes to your credit report which | | | | accounts that need to be challenged with the bureaus, |
| would improve your rating, but this will be to your | | | | its also important to challenge the accounts individually |
| advantage in the long run. | | | | and not all at the same time. The reason for this is |
| The first thing you need to understand is that the only | | | | because the bureaus can say you challenge is |
| way to get any negative item removed from your | | | | "frivolous" if you try and do them together. |
| credit report is to challenge it with the credit bureaus. | | | | This is one quick way to begin to repair your credit, the |
| Unfortunately the credit bureaus don't care if there is | | | | other way I would recommend is for you to get some |
| any information on your credit report that is not | | | | new credit going, it could be in the form of a secure |
| correct, they feel that is your problem. | | | | credit card or some sort of department store card. |
| This is the reason why congress created laws to | | | | One of the factors that go into your credit report is |
| protect you in situations like this and to challenge | | | | current available credit so adding these types of |
| individual items on your credit report. Once you | | | | accounts will improve your credit rating. |
| challenge the item, the credit bureau has to investigate | | | | |