Steps to Repair your Credit:
1. Obtain Credit Report from all "3" Bureaus. Click this if you do not have a current report.
Verification Process
2. Review each one for the following;
a. Legal Name, alais names, misspelled name etc.
b. Social Security Number accuracy.
c. Spouse information.
d. Bankruptcy. (is it yours, are all debtors listed, status/discharged, listed in Bk etc.
e. Govenment Judgments.
f. Civil Judgments.
g. Creditors and debts that are not yours.
h. Creditor reporting accuracy such as; Account Balances, Charge-offs, Repo's.
i. Unauthorized credit inquiries.
Repair Process
3. Items 2a - c;Send a letter with proof to the "3 " of your accurate info and ask them to correct it.
4. Bankruptcy (BK); Send a letter with proof of status Discharged etc. Be sure all creditors that were included in BK are listed as such.
5. Judgments; Are they marked paid if paid, were they in BK and so noted, Did file a motion and were granted an order removing the Judgment from Public Record. (if so this should be removed send a copy of the order to the "3".
6. Creditors/accounts that are not yours;
a). Send letters to the creditor asking them for proof that that it is yours or remove it from the report.
b). if they refuse resend harsh letter c). If they refuse send copies of all to the "3" to dispute.
7. Inaccurate Creditor Reporting; use the same method as step 6 above.
8. Unauthorized Credit Inquiries; Write a letter to all that you did not authorize ask for written proof that they were authorized or to remove it if they don't have it. If they do not have it and refuse to remove it sent that proof to the "3".
The re-confirmation Process
9. Sooner or later you will start getting replys to all the letters you sent. Now re- examine them see what was corrected and what was not. Then send a demanding letter that they better fix it because you sent the proof.
10. You will have to do this with more then one of the "3" at least 2 or more times, the same goes for the creditors.
The Final Goal
A. DELETED!
B. UPDATED.
C. IMPROVED CREDIT SCORE follows above results.
* When sending letters limit 3 disputes per letter. If you have more then 3 disputes send them multible letters with only three on a letter. I think it is because they are lazy and if you ever speak to them on the phone as I have you might as well be talking to your dog, at least he will give you an intelligent look.
* All mailing should be send certified return receipt.
Keep these in case you need proof that you made these disputes. You also have the option of making a complaint with the Federal Trade Commission.
* Accurate credit information cannot be erased from a credit report within seven years of the reporting period. The only information that can be changed are items which are actually wrong, or are beyond the seven year reporting date. If you have a poor credit history, time is the only thing that will heal your past credit report.
If you find that you do not have the time of can't be bothered with the relentless attention to detail visit our rates page and see what we can do for you.
We offer 3 options for NATIONWIDE CREDIT REPAIR; Inquire about Credit Repair
Option 1: 100% Do-It-Yourself Price: $7.95 Includes; Guide to Repair, Repair Letter Template, Check List, Opt Out information.
Option 2: Consultation Price: FREE Includes; No Obligation Personal Consultation of your information and options.
Option 3: Full Service Credit Repair Price $325.00 (Includes entire Consultation Package Includes 8 items per Bureau then we verify all information for accuracy, we will dispute any negative inaccurate information, We will dispute incorrect personal information in writing via priority mail.
This BONUS for 12 Months!
(i.e. late payments, delinquent payments, short credit history, etc).
Additional services and fees may apply to dispute more then 8 items per bureau and to file Motions in Court to remove Judgments.