| Credit
Repair Specialist
Are you looking
for a credit repair specialist that can offer assurances about
clearing up your credit? If so, you're not the only one. We
understand that there are many supposed credit repair
specialists out there that claim to know what they're doing, but
don't. What's even worse is we hear of individuals who've
employed a supposed credit repair specialist only to find they
are doing most of the work, not the credit repair specialists.
Before you search for someone to help repair your credit, listen
to this advice from TRUE credit repair specialist.
To save
yourself money, the credit repair specialist we asked
recommended doing what you can on your own. They admit, it is a
lengthy and boring process, but it could save you money in the
long run. Here's what the credit repair specialist said you can
do on your own to repair your credit.
Get a copy of
your credit report. Our credit repair specialist agreed that if
you can get credit reports from two different credit reporting
agencies you can be more through. There are ways to get your
credit report for free, so do some checking before you hand over
money unnecessarily.
Review your
credit report with intense scrutiny. The credit repair
specialist we spoke with all agreed that the first real step to
repairing your credit is getting rid of accounts that no longer
exist or never did exist. In order to do this, you will need to
contact the credit reporting agencies directly, in writing. You
will need to compose a letter that is very specific about what
is wrong with your credit report. It is also a good idea to
send along with your letter a copy of the actual credit report
and any documentation that may support your claim. For
instance, if on your credit report you notice a credit card
account that doesn't indicate is closed, even though you did so
over a year ago, you'll want to take the following steps.
First, on your credit report highlight or number the error; then
on your letter explain why this is an error; and last, send the
statement showing your account is in fact closed. Our credit
repair specialists urge you to be very clear about your claims
and provide any documentation you can. They also add that your
vigilance is extremely important when dealing with your credit.
Call the credit reporting agencies to follow up frequently,
keeping in mind they have 30 days from the day they receive your
concerns to make action.
One final thing
the credit repair specialists recommend is keep detailed records
of all correspondence for your own records. In addition,
anything sent to the credit reporting agencies should be
traceable in some way (whether you use certified mail or other
means is up to you).
Yes this is a
long process, but as our credit repair specialists point out,
other than the cost of mailing the items, everything else is
free.
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