Real credit repair fixes, solutions, tactics.
No matter what you want to call them, they can help you turn your credit around in a matter of months. I’ll hit on two basic points here, but first I want you to know that most of the time, credit repair takes patience–usually a minimum of 30 to 100 days. It all depends on what needs to be fixed. It also depends what you are trying to accomplish. For example, are you trying to buy a home or a car soon? If you are buying a home, consider that a better credit score will lower payments significantly for a period of 30 years.
Point one: Send a dispute letter.
This is a method that actually involve quite a bit more than just sending a dispute letter. Usually, credit reporting companies or bureaus have several different addresses. Rather than send it to each of the different addresses, choose the one you think is the best and send it certified mail with return receipt request. That way, you know they received it and it’s up to them to get it to the right department.
Re-age your debts.
This is quite common for credit bureaus to do, but it is illegal. Basically, when some lender reports you late on a certain day and then another collection agency takes the account, that new agency may change the default day to the day they took the account. Since that is not the true day that you defaulted, you can legally make them remove it. By law they have to use the same date. Reason being that if they report 6 months later than it originally happened they are affecting you credit for an additional 6 months, which is a violation or your rights.
Real credit repair fixes are a sure fire way to get bad credit out of your life.
On the next article we’ll arm you with more by covering briefly other beneficial credit repair tactics.
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