guide on how to fix your own credit
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Guide on How to Fix Your Own Credit
Are you one of the people today who are wondering if they can fix their own credit?
Truth is you can take excellent steps to boost your credit score, even without the assistance of a certified finance expert.
How to Fix Your Own Credit
• Check your personal credit report.
order a free copy of your credit report from each of the three major credit bureaus by visiting Annualcreditreport.com, the only resource authorized by the government.
• Evaluate credit information.
Be aware of incorrect charges in one of your accounts or there could be paid charges that still appear in your report as unpaid. Such errors can negatively affect your credit rating. You must immediately request the bureau to delete outdated information from your file.
• Dispute errors.
Send a formal letter to the credit bureau that issued your report. The letter must clearly specify the detail that needs to be corrected or erased. It is recommended that you enclose with your letter a photocopy of your report, with the disputed items marked or encircled.
• Wait for the bureau’s action.
The credit bureau will conduct an investigation about your dispute which can take up to 30 days upon receipt of your dispute letter. The bureau must contact you that an investigation has been started considered at least 15 days after receiving your mail.
• Pay your current bills on time.
Make sure to pay off your current bills on time. Late payment can pull down your credit score.
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• Pay off your past due charges.
Checking your report should also enable you to see if you have past due charges. Paying off these debts should be your priority. If it is not possible for you to pay at once, speak with the creditor involved and try to work out a payment arrangement that you can follow.
Source: http://www.newhorizon.org/credit-info/can-i-fix-my-own-credit/
Source: http://www.newhorizon.org/credit-info/can-i-fix-my-own-credit/
NHBS Inc. continuously giving Free credit Repair Guide
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Toll Free Phone no. (888) 778-5677