|
|
|
| Home | Residential Loans | Commercial Loans | Personal Finance | Apply FREE | Mortgage Tips | Real Estate Investing | Contact Us |
"How To Fix Your Credit"
|
Do you have a Real Estate question? Wondering about financing a property, personal finance, improving your credit , managing your debts, buying, selling, or real estate investment? Send your inquiry to The Mortgage Guru. |
 |
Article: "How To Fix Your Credit"
By Andre Plessis
|
"How To Fix Your Credit" Credit repair is not something you can accomplish overnight. If you want to improve your credit report just follow these simple steps and watch your credit will improve. Request a Copy Of Your Credit Report. The first step to improving your credit report is to see what’s on your
report, and understand how the information that’s being reported affects
your score . You can request a free copy of your
report. You want to check for inaccurate or incomplete information such as:
Contact The 3 Main Credit Reporting Agencies Write to the credit report agency and always send letters via certified mail, return receipt
requested, telling them which items are incorrect or incomplete, and why;
make sure you have documents supporting you disputing any negative item. The
credit reporting agency will have 30 days to investigate your dispute. If the
agency is
unable to verify that the information they are reporting is accurate and
complete, they must correct it or remove it from your credit report. Write to the creditor and inform them of the item you believe
is inaccurate. As above, include any copies
of documents which support your claim, and send your letter via certified
mail. The creditor must report the item as disputed until they have
verified or corrected it. If they are unable to verify the information, they
must stop reporting it. If you don’t have a lengthy credit history, and that is damaging your credit
score, you can request that a credit agency to report any credit accounts you have (i.e.
a department store card, gas card, credit union card), which have not been
previously reported. Although the credit agency is not required to do so,
many will agree to report accounts they are able easily verify if you
request it.
Actually you do not need anyone to help you with repairing your credit. You can buy books for $10 to $20 that will show you repair your credit. You may potentially save hundreds or thousands of dollars. Nolo.com has incredible books to help you repair your credit. To Your Success, |
How to set up a
budget How To Pay Off Huge Debts Very Fast How To Better Manage Your Money How Budgeting Improve Your Life Credit Repair Organizations Act (CROA) How to avoid credit repair scams How to deal with collection agencies How to protect yourself against credit repair scams |
Andre Plessis
Andre Plessis
"The Mortgage Guru"
"A Mortgage Professional
whose primary goal is to provide the expertise, guidance and skills necessary to
obtain the best mortgage to meet your personal needs".
View Client Testimonials
P.S. If you are at all intimidated or unsure about the mortgage process if you don’t understand how to evaluate your options in getting a mortgage loan our 24 key questions will help you feel comfortable that you are making the best decisions. Also if you are in the process of refinancing your home with anyone, CALL ME and I will let you know if you are being offered the best loan option based on market conditions and your financial situation.
Your Real Estate Lending Partner Helping You To Achieve financial Freedom!
Copyright 2006© Apply-Free.com
©
2005 by Apply-Free. All
rights reserved
No part of this website may be reproduced or transmitted in any form or by any
means, electronic, mechanical, photocopying, recording, or otherwise, without
prior written permission of
Apply-Free.
