HOW CAN I FIX MY CREDIT, Self-help guide to repair your credit (The process of credit restoration)

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Credit Repair Self Help
When it comes to credit repair when you have found yourself in a bad credit situation, self-help might be the best route for you to go. It seems we are bombarded daily and often with companies who claim that they can help you repair your credit for a small fee and you won?t have to worry about it at all. However, the truth is that self help credit repair is not only possible, but really the way to go.
It isn?t as difficult as many people might think going about repairing your credit yourself. In fact the newest trend in credit repair actually the self help road. All you need to do is start by pulling a copy of your credit report from all three credit reporting bureaus: Experian, Equifax, and TransUnion. You are entitled to one free credit report per year thanks to passage of the FACT Act. The other two, you?ll have to pay for, but the fee is usually small ? between $10 and $15. After you get your credit reports, the next self help step is to go through those reports and check to see that the information is accurate. Most of the time, there are going to be errors of some type. These errors can vary from a past due account that has been paid off to a debt that wasn?t yours in the first place.If you find errors, you need to contact the credit reporting agency both by phone and in writing. You?ll be asked to provide proof of the error and then they, in turn are required to notify you in writing of their decision to either remove it from your credit report or leave it due to insufficient proof. Be diligent in this endeavor. An accomplished self help credit repair program entails being aggressive when it comes to your information and the accuracy of that information.Another part of a self help credit repair program includes the development of a long-term plan that will help you keep your credit use under control and a plan for not getting into credit problems again. Sure, credit counselors can help you do this, but why pay the money and take the chance that you are dealing with a less than reputable company? Do a little research and you?ll find that there is plenty of information available on the Internet as well as software programs that can help you with your self help credit repair program. Repairing your credit yourself requires a commitment on your behalf, but in the long run, you?ll be pleased with the results ? and knowing that you did it yourself!
Credit Report
Your credit report is a snapshot of everything you have ever done in your life that has involved your use of credit. It is a very important that you monitor your credit report regularly to make sure there aren?t any inconsistencies or mistakes that could adversely affect your future applications for credit.
There are three credit reporting agencies that compile your credit information into one easy to read report. Not all companies report to all three bureaus and they are not required to report to any of them. However, you will find that many companies will go ahead and report credit transactions to at least one of the three companies.The three credit reporting agencies are: Experian, Equifax, and TransUnion. No one company is any ?better? than the other. They all have different ways of making credit reports, but they all generally operate in the same way. You can find them easily on the web at: www.experian.com, www.equifax.com, and www.transunion.com.The FACT Act was passed in 1997 and provided one free credit report each year for anyone who requests one. Although it?s a good idea to get a copy of all three reports, you will only get one for free. You can get the other two by paying a small fee ? usually in the $15 to $20 range.To get your free credit report, you can go to either www.freecreditreport.com or www.annualcreditreport.com. You will have to enter in your personal information and then your credit report will appear directly on your computer. You can then print it out and check it for accuracy.We can?t

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HOW CAN I FIX MY CREDIT, Self-help guide to repair your credit (The process of credit restoration)

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