Fast Credit Repair
by bill barber

Repair Credit and Get On With Your Life

Credit repair does not have to be that complicated. To repair credit, you have to do some simple tasks. Of course it depends on your unique situation, but if you are like most people who need credit repair (and likely, you are), simply sending out basic credit repair letters will improve your profile a lot.

So what do we mean by “most people.” Well, the economic situation is unstable, of course, and there are a lot more people without jobs, losing their homes and cars and assets. This is not what is meant by ‘most people.’ The common person needing to repair credit is like this: twenty something, did some foolish stuff with credit when they were younger, never really figured out how to fix it. Or, they might be people who had a tragedy or loss of income and had to file bankruptcy. These people can generally expect to get some really good results from credit repair, especially if there are still several old accounts showing up on their credit report.

When a person undertakes credit repair, the first thing they need to do is to get their credit report. This is an essential step and there are a lot of good places to get your credit report on the web. You don’t need to buy any of the ‘up’ sales. When you get a free credit report, many websites will give it to you because they think they can sell you something else and make their money on that sale. You don’t need to buy those things though. Just get the report.

When you review it, try to determine what things you think should not be on there. That is what you are going to dispute. When you dispute those things, you need the account name and account number for the credit dispute letter. That is what you put on the credit repair letter.

Credit dispute letters exist in many varieties. They should look like they are coming from a ‘real’ person, so there’s no need to make them perfect, but you need to get your point across when you write these credit repair letters. There are a lot of form letters you can find on the web. The FTC even provides one. Consider personalizing the letters a bit, as these letters have no doubt been copied thousands of times. Just change some of the wording or change up the font a bit. This will help you in the long run because the credit report companies scan these letters looking for letters that look the same so they can call them ‘frivolous’ disputes and throw them out.

Don’t be overwhelmed by the self credit repair process. Credit disputing is not that difficult. Just do it and get on with your life.

Fast Credit Repair