10 Step Credit Repair Guide
The process of clearing credit can be frustrating and laborious, but your meticulous efforts will be paid off for in better financing. Your rights are protected by established laws, but you must take reasonable actions towards the goal of clearing all of your credit discrepancies. You should get the credit reporting agencies to assist you instead of hindering your attempt to clean your credit.
The Ten Steps Include
1. First order your credit reports
2. Check for discrepancies in your credit reports.
3. Take note of all problems and discrepancies in your Credit Dispute Log
4. Immediately contact all disputed companies by telephone (Contact the original debtors, not collectors.)
Log all telephone calls with a brief summation of the agreements.
Note the record name of the representative that you spoke with.
5. Send certified letter to the original company as a follow up.
6. Write letters to all collectors, dispute bill, send them documentation of payment to the original company.
7. Correctly fill out and file dispute form provided by credit bureau.
8. Write an individual letter for each disputed claim to credit bureaus.
Send these letters by certified mail.
Enclose all supporting documentation copies.
9. Use the contact number provided by the credit bureau and call for updated progress, keep your reference number handy.
10. Keep detailed records in your personal Credit File.
These ten steps will assist you to finance your dreams.