Repair Your Credit

The Credit Bureaus Don't Want You To Succeed (But I Do!)

The truth is, repairing your credit is something that is totally legal, totally possible and is something you absolutely HAVE to stick with - because getting a higher credit score is a factor of disputing the negative items over time. The credit bureaus don't want you to succeed and in fact, they've put many practices in place to simply avoid your rights (as stated in the Fair Credit Reporting Act "FCRA"). When I say "avoid", what I mean is that if you take your legal right to dispute negative items on your credit bureau reports the 3 bureaus will delay, put you off and basically send you form letters that make all but the most persistent go away and give up (don't give up ever!) when attempting credit repair yourself.

Quick Tips

Nationwide consumer reporting companies are typically private companies that are good at avoiding their consumer responsibilities - however disputing information on your report is critical and ongoing and the original creditor is not the place to start at all. Each consumer statement and credit report trade line entry can be manipulated with disputed information requests and staying consistent during the dispute process. Before any dispute, revolving accounts that are negative should be closed to minimize legal exposure to bad credit repair practices. Where do you stand? It really depends on your ability to monitor your credit scores on a monthly basis. If you gamble and have outstanding markers a dispute letter to the bureaus is better than attempting to work with the casino, and the fair debt collection act protects you on most accounts. Derogatory items should be disputed continuously until removed with each consumer reporting company. Typically a debt management plan is NOT the answer when attempting to repair your credit.

Use These Credit Repair Tactics As Your Guide

 

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