Do it Yourself Credit Repair

Many of us believe that it is only through an agency that we could possibly have any hope for repairing our own credit. Rest assured that this is not true. It could possibly cost you more money and time to arrange through an agency than it would to just do it yourself. My recommendation, before contacting an agency for assistance is to follow the steps of self credit repair as you may just be surprised at the results.

Repairing your own credit takes time, and definitely takes patience. You first need to contact the credit reporting agencies in writing, requesting your credit report. You are entitled by Federal Law to a free credit report every year. There are three main credit-reporting agencies that you will need to contact. The bureaus information can be located by running a search on the internet for "Credit Reporting Agencies" or looking through you local phone book. Include the following in your written correspondence with the credit agency.

1. Written request for a copy of your credit report (You are entitled to one free credit report a year).

2. Include a copy of your state ID.

3.Send proof of your current address if it is not current on your ID.

4. List your last known addresses for the past 5 years.

5. Include a copy of your social security card.

6. Sign the document

Allow at least 4-6 weeks to receive your credit report(s). If you have already received an annual credit report from an agency and are not entitled to the free yearly report, you may also use any denial letter of credit within 60 days of its receipt. If you receive a letter denying you credit, make a copy and enclose it with your written request for a copy of your credit report.

Once you receive your reports from all of the agencies, review each report for accuracy and differences. Design a spreadsheet or written log to track the differences. Do not hesitate to make use of disputes or accounts that are invalid. If you find anything on your report that is worth disputing, most agencies allow you to file an official dispute via their website.

It may take up to 6 months to feel like you are making any progress at all on your credit with your payment arrangements, but rest assured that your credit will fall into place within a year.

You can get more ways to improve credit score at SelfCreditRepair.org

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