Fast and free credit repair in many cases is a pretty simple matter!
You can repair or fix your bad credit rating yourself for the cost of postage. Its really very simple! First Get a copy of your credit report and then dispute the negative items on it. (Free sample credit repair letter) By law... and that would be federal law, the credit bureau has thirty days to contact your disputed claim and make sure of its validity. If the item your disputing does notrespond back to the credit bureau within those thirty days the item is automatically removed from your credit report. Simple! simple! simple. Many companies simply do not have the resources or the time to respond to the credit bureaus inquiry. Be aware though, that if they do report it back, the items will not be removed from your credit report and you'll have to make other arrangements. Credit is tricky and anti-common sense. Sign up for the FREE NEWSLETTER and use the resources you will find all over this site to learn more about credit and to protect yourself. Also check out why you may need a credit repair service.
Don't dispute everything at once!
Credit bureaus may consider it "frivolous" and not follow up on your requests. Check out the sample dispute letter and use that to dispute one or two items at a time. Change the copy up a little. Personally, I would hand write the letter. You do not want the letter to have a "form" appearance. Make it genuine while at the same time letting the credit bureau know that you fully understand your rights. Below are the addresses to the credit bureaus.
Equifax
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
Equifax
(800) 916-8800
Trans Union
P.O. Box 105873
Atlanta, GA 30348
Trans Union
(800) 685-1111
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
Experian
(888) 397-3742
How to fix your credit for free!
You can receive a free credit report if you have been denied credit in the last 60 days. Make photo copies of your denial letter and send them off to the credit bureaus above. By law they must send you a free copy of your credit report. You will want to dispute the negative items on it.
Can I do this online?
They will offer you a thirty day free trial. You must have a credit card that you can put there fee on. Remember its free! As soon as you have a hard copy of your credit report... cancel the service. They can be a little sneaky on how to cancel there service. Go to their FAQS page.
How long does it take to dispute items on my credit?
If your looking to rent an apartment or buy a car today, repairing your credit is not really an option. Thirty to forty-five days is about what it takes to dispute negative items on your credit. Remember, you may have to do it more than once to have all the negative items removed and repair your credit. In the long run cleaning up your credit report is extremely important to you, it is simple to do, and in this day and age will make your life much easier.
Steve's comments:
Fixing your credit is one of the most important things you can do to help yourself. It's so simple to do. Remember...dispute everything...you didn't do it period. From a practical standpoint big corporations like Mastercard or Visa or Verizon type companies will answer back and it will not be removed. Everything else is fair game.
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