Can I Fix My Bad Credit Alone?
Certainly, you can! But let me ask you this: why fix it alone
when you can have help?
While I'm not saying that it's better to fix bad credit with the
help of an expert, there are some indisputable advantages when
you hire a professional credit repair company to take over your
credit problems. If you don't have the time for it, naturally
it's better to turn over everything to a professional credit
repair company. If you don't think you have enough experience
dealing with the finance people - haggling, negotiating,
disputing and so on - then once again, maybe it's time to call
for 911. There are just so many things you have to do when
you're fixing bad credit that really, when you compare what
you'd have to go through with the amount the credit repair
company is going to charge you, it seems like you're paying a
small price indeed.
But if you're determined to try it out alone first then
certainly, I won't stop you and indeed congratulate you for
having the fortitude for such a task.
Task #1 - Getting A Copy Of Your Credit Report
Listen well and remember: you need a copy of your credit report.
Don't rely on secondhand information. Don't overestimate your
knowledge of your credit history by telling yourself that you
know everything that's contained in your credit report. Really,
you don't. So be a good little boy (or girl) and follow Mama's
orders. Approach any of the three major credit bureaus -
TransUnion, Equifax, Experian, take your pick - and ask for a
copy of your credit report. If you're feeling particularly
diligent, why not ask a copy of your credit report from all
three credit bureaus?
Task #2 - Understanding The Contents of Your Credit Report
Here's our rule: if you want to prove the naysayers wrong by
showing them that indeed you can fix your bad credit all by your
lonesome, you should be very thorough when reviewing the items
listed in your credit report. Absolutely no exception. Start
from the very beginning and read on till the very last period.
Mistakes can even happen with the personal information bit. If
you're Mary Roberts from Philadelphia, then why the heck are you
listed as Mary Roberts from Louisiana? There's an estimated
thirty percent chance that your credit report could contain
errors so there, that should keep you going.
Task #3 - Dispute!
Argue, beg, be persistent and never give up. Do what it has to
take to make sure that those erroneous items are removed from
your record on time. And be cunning. File for disputes a week
before Christmas and Thanksgiving and since it's a busy time of
the year, the may just be obliged to temporarily erase those
items from your records for lack of sufficient evidence.
More informations are available at
http://www.debt-credit-00.info and http://www.business-00.info