Credit repair by yourself

I found some room for improvement on your credit report and seek a credit bureau for repair. May I propose to you a credit for repairs? "Yes, a lot of credit repair agencies reminiscent of the" professional "help when it comes to addressing the police. And frankly, they know more tricks than someone who chooses â € œdo it yourself credit repair.â € But he really goes to who knows your credit best?

Where should I start?

First of all, they do not report all three credit bureaus. The reason why each credit bureau has different results, because the creditors are not required to report for each credit office. That's all, "plus points" and "minuses". Office of the credit-reporting is not required each of the "big 3", the credit bureaus to maintain sufficient competition on their services is reasonable. In the minuses? "As a consumer, when it attracts credit credit reports Agency reported actual results may differ significantly.

Because it is "to repair your credit" of enthusiasts like you have to do if you find the picture on loan office dispute?

1 - Be Thorough - Be generous Remarks - Make copies of everything!

Start by making more copies of each credit Bureau report. Would you like the original "clean" and not marked for your own records. Circle any discrepancies. Go back to your record, get online, do everything you can think of to ensure that the error was made. Remember, credit bureaus get their information from its creditors. Do you really trust your creditors to provide accurate details of all time? Please! Thou art the only one who wants, or there may be a difference if you yourself credit for restoring the perfect choice.

2 - a copy of the documents to your office credit dispute

Once you've narrowed as the factual errors in your credit report, get all your supporting documentation. Do you have proof that you canceled credit card 8 years old and not 6? Not only to wait a year to go and "hope", and then it drops off your credit report. Get that baby away 'there! Do you know what is the difference of only 21 points (or even less!) Could cause you to pay tens of thousands on the life of a mortgage?

3 - Fill out all necessary documents

So you can not just send all their paperwork with yellow sticky say, "Please review". The credit agencies have their own way of accepting credit dispute office documents.

If you're ready to "do it yourself credit repair," then good for you! There is really no reason not to do themselves. After all, who knows your credit better than you?