If you've brushed your bad credit under the rug, it's time that you pull it out and give it some air.
I know, you're saying "Why should I pull skeletons out of my closet?" right? Well, it's all in how you look at things.
It's possible to pull yourself out of the financial black hole you are in.
Just follow what your President elect Barack Obama says, "Yes we can", and say to yourself, "Yes I can!" You CAN achieve a better credit score and you CAN improve your credit report.
Fixing your credit is easy and it could mean the difference between getting that mortgage, car, boat or luxury vacation you've long waited for.
Begin by getting a free copy of your credit report by going to annualcreditreport.
com.
This is the only legitimate place to get a free copy of your reports from the 3 credit Bureaus; Experian, Equifax and TransUnion.
Obtain only one report at a time from the various credit bureaus.
You can only get one free copy from each and if you want to monitor your credit score and report over time, you should pull a free report every 4 months.
Thoroughly review your report.
Go through it with a fine tooth comb and search out errors and misinformation, then take the worst of the errors first and write a certified or registered letter to the credit bureaus to dispute it.
Make sure to keep copies of all records and receipts.
For samples of dispute letters and other credit repair information, visit the Federal Trade Commission website.
See the vast amount of information and steps on self-repair.
While waiting for a response to your dispute letters, you can begin processing letters for the next error.
You can send your letters to the following addresses: Equifax P.
O.
Box 740241 Atlanta, GA 30374-0241 (800) 685-1111 Experian P.
O.
Box 2104 Allen, TX 75013-0949 (888) 397-3742 TransUnion 760 W.
Sproul Rd.
Springfield, PA 19064-0390 (800) 888-4213 After 30 days, the appropriate credit bureau must by law, respond to your dispute.
If they cannot verify the disputed piece of information within that 30 day period, their duty is to delete it from your report and they must send you a corrected version.
Also, make sure that while you are in the process of credit repair, you don't just go with any website information you happen to click on.
There is a lot of information on the worldwide web, but just because it's in print, doesn't necessarily mean it's true.
Stick to government websites.
Go to the FTC website mentioned above and if you find information on other websites that you plan on using to repair your credit, whomever the source of that information is, run that company's or organization's name through the Better Business Bureau website.
Finally, repeat the process.
I know,"How much time could this take", you're asking? It is slightly time intensive, but your credit standing is extremely worthy of your time and attention.
Plus your life will be better for it.
Who knows how many opportunities will come your way when you have good credit.
Just maybe, one of your dreams will come true.
I know, you're saying "Why should I pull skeletons out of my closet?" right? Well, it's all in how you look at things.
It's possible to pull yourself out of the financial black hole you are in.
Just follow what your President elect Barack Obama says, "Yes we can", and say to yourself, "Yes I can!" You CAN achieve a better credit score and you CAN improve your credit report.
Fixing your credit is easy and it could mean the difference between getting that mortgage, car, boat or luxury vacation you've long waited for.
Begin by getting a free copy of your credit report by going to annualcreditreport.
com.
This is the only legitimate place to get a free copy of your reports from the 3 credit Bureaus; Experian, Equifax and TransUnion.
Obtain only one report at a time from the various credit bureaus.
You can only get one free copy from each and if you want to monitor your credit score and report over time, you should pull a free report every 4 months.
Thoroughly review your report.
Go through it with a fine tooth comb and search out errors and misinformation, then take the worst of the errors first and write a certified or registered letter to the credit bureaus to dispute it.
Make sure to keep copies of all records and receipts.
For samples of dispute letters and other credit repair information, visit the Federal Trade Commission website.
See the vast amount of information and steps on self-repair.
While waiting for a response to your dispute letters, you can begin processing letters for the next error.
You can send your letters to the following addresses: Equifax P.
O.
Box 740241 Atlanta, GA 30374-0241 (800) 685-1111 Experian P.
O.
Box 2104 Allen, TX 75013-0949 (888) 397-3742 TransUnion 760 W.
Sproul Rd.
Springfield, PA 19064-0390 (800) 888-4213 After 30 days, the appropriate credit bureau must by law, respond to your dispute.
If they cannot verify the disputed piece of information within that 30 day period, their duty is to delete it from your report and they must send you a corrected version.
Also, make sure that while you are in the process of credit repair, you don't just go with any website information you happen to click on.
There is a lot of information on the worldwide web, but just because it's in print, doesn't necessarily mean it's true.
Stick to government websites.
Go to the FTC website mentioned above and if you find information on other websites that you plan on using to repair your credit, whomever the source of that information is, run that company's or organization's name through the Better Business Bureau website.
Finally, repeat the process.
I know,"How much time could this take", you're asking? It is slightly time intensive, but your credit standing is extremely worthy of your time and attention.
Plus your life will be better for it.
Who knows how many opportunities will come your way when you have good credit.
Just maybe, one of your dreams will come true.