Credit Repair: Few things can be as tedious, frustrating and unpleasant as the credit repair process. Especially if you’re going to do the do-it-yourself credit repair route. And heaven help you if you’re going to try fixing your credit report and you don’t know what you’re doing.
But cheer up, credit repair is actually very easy, and the average person can easy fix their credit and even repair their credit score. But to get the most out of the process you have to know what you’re doing.
Let me give you a real life example: Me. I filed for Chapter 7 bankruptcy in July of 1997. By the time I bought my current house in 2003 I had my credit reports as cleaned up as you get with legal credit repair methods and my credit score was 790. And that’s what you want: a clean credit report and high credit score. And that’s the goal of this website, to help you by sharing what I did to fix my bad credit and repair my credit score. And all I did was completely legal. In fact it’s very important you stay within the bounds of legal credit repair methods or else you’ll probably only make things worse for yourself.
Do it yourself credit repair
So what do you need to do to fix your credit report? Really, it’s sooooo simple and inexpensive, especially compared to the benefits that having good credit accords you. But you do need patience – and saintly amounts of it. But the easy and inexpensive parts more than make up for it. Anyway, on to the actual credit repair part. Here it is in easy to follow steps:
-Get your credit report
-Review your credit report
-Identify negative or questionable items on your credit report to dispute.
-Write letters for each of the items on your credit report you want to dispute
-Mail the letters to the relevant credit bureau via certified or registered mail
-Wait, wait, wait for the disputed items from your credit report to be investigated
-Check the results of disputing the items
-Repeat the process for items not resolved in a legitimate and satisfactory fashion.
Yes, that’s really all there is to it. Well, that’s not all there is to it, but that’s the basic concept. So now let’s follow the credit report repair procedure step by step.
