10 Step Credit Repair Guide
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 © 2005 by Jeanette J. Fisher. All rights reserved.
(You may publish this article in its entirety with the
following author's information with live links only.)
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 for a free "Credit Tips for Mortgage
Financing" ebook http://www.recredithelp.com
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