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If you want to erase negative credit from your report, but thought it would be too difficult…you’re not alone. Each year, thousands of people spend literally millions of dollars on credit repair services or agencies because they simply assumed it would be too difficult to do it themselves.
However, the truth is you can repair your credit yourself rather quickly and for little or no money. Also, not only is it possible to do it yourself, but it is probable that you would be able to do a better job of it than a traditional credit repair clinic.
Here, in a nutshell, are the 3 major steps you can take to repair your credit history yourself:
1) Obtain A Copy Of Your Credit Report
According to the law, you are entitled to one free credit report every 12 months. You can request your report from annualcreditreport.com, call 1-877-322-8228, or fill out their request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Once your request has been processed and your credit report has been mailed to you, spend some time thoroughly going through it and noting down anything that you don’t agree with. It’s far from uncommon for credit reports to include out-dated information or mistakes, and even completely false details.
2) Set About Rectifying Out-Dated Information And Mistakes
Write a simple dispute letter informing the credit bureaus of specific marks you wish to dispute. Try not to turn it into your life story – the shorter and more precise it is the better. You’ll also want to send with your letter copies of documents that support your claims. On receiving your letter and any supporting evidence, the credit reporting agency will then evaluate your position. They will get back to you with their decision – either removal of the negative credit marks, or verification of them..
3) Supplement Your Credit Report With Positive Information
This is where you can outshine and outperform even the most prominent credit repair services. You can add positive marks to your report over time. By simply getting a secured credit card, gas or department store cards, or a small installment loan and paying them on time, you can build up a good recent credit history.
I recommend finding a good credit repair program or guide and learn how you can erase negative credit from your report yourself, before deciding to hire a service blindly. After all, it is your credit history at stake.
If you want to repair your credit, improve credit scores and actually build credit quickly, just go to http://www.creditbully.com for the latest strategies.