Credit Report Repair Advice
10 Step Credit Repair Guide
By Jeanette Joy Fisher
The process of clearing credit can be laborious and frustrating, but your
efforts will be paid for in better financing. Your rights are protected by
laws, but you need to take reasonable actions toward your goal of clearing
credit discrepancies. You can get the credit reporting agencies to help you
instead of hindering your excellent credit quest with these tips.
1. Order credit reports.
2. Check for discrepancies.
3. Note problems and discrepancies in your Credit Dispute Log.
4. Contact disputed companies by telephone. (Contact original debtors, not
collectors.)
Log the telephone call with a brief summary of agreements.
Remember to record the name of the contact representative.
5. Follow up with certified letter to original company.
6. Write letters to collectors, dispute bill, send documentation of payment
to original company.
7. Fill out dispute form provided by credit bureau.
8. Write separate letter for each disputed item to credit bureaus.
Send letters by certified mail.
Enclose copies of supporting documentation.
9. Use the number provided by the credit bureau and call for progress; have
your reference number handy.
10. Keep comprehensive records in your Credit File.
These ten steps will help you finance your dreams.
Copyright (c) 2005 by Jeanette J. Fisher. All rights reserved.
Forget what you've been told about credit. "Credit Help!" author Professor
Jeanette Fisher was forced into becoming a credit expert. She loves helping
people buy houses. Get the credit you need to buy one house or twenty. Visit
Real Estate Credit Help Center: http://www.recredithelp.com
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