Fix My Ugly Credit – Tips to Help You Erase Credit File Errors and Increase Your FICO Score
Darin Sewell asked:
I want to fix my ugly credit is what most people say to themselves when they realize their credit scores are terrible. At this point most of these people realize they have no clue how to repair FICO scores. If you fall into this group the tips listed below will help you start down the road to higher FICO scores.
Self Credit Repair Tips To Help You Erase Credit File Errors
1) Dispute Everything Negative On Your Report
You should dispute any negative item on your credit report, even if it is true. Federal law lets you challenge any item on your report. The best part is that you do not have to prove anything, the creditor has to prove the negative information they are reporting is true.
If they cannot or do not prove the items validity then the item must come off your credit report.So take advantage of the law and use it to your benefit.
2) Send In Your Credit Dispute Letters Slowly
The shotgun approach of sending in all your disputes at once will more then likely throw up a red flag with the credit bureaus. They will view your disputes as frivolous and ignore them. Instead send them in one or two at a time and only send new disputes in when you receive a letter telling you the status of your old disputes.
3) Buy a Credit Repair Kit
Self credit repair while not difficult can be a long road to go down if yo have no knowledge of the process. A good book or kit can help guide you and also give you some great tools and tips to make the process much faster. You can down load some great kits online and have them right on your PC for easy reference.
Glenda
I want to fix my ugly credit is what most people say to themselves when they realize their credit scores are terrible. At this point most of these people realize they have no clue how to repair FICO scores. If you fall into this group the tips listed below will help you start down the road to higher FICO scores.
Self Credit Repair Tips To Help You Erase Credit File Errors
1) Dispute Everything Negative On Your Report
You should dispute any negative item on your credit report, even if it is true. Federal law lets you challenge any item on your report. The best part is that you do not have to prove anything, the creditor has to prove the negative information they are reporting is true.
If they cannot or do not prove the items validity then the item must come off your credit report.So take advantage of the law and use it to your benefit.
2) Send In Your Credit Dispute Letters Slowly
The shotgun approach of sending in all your disputes at once will more then likely throw up a red flag with the credit bureaus. They will view your disputes as frivolous and ignore them. Instead send them in one or two at a time and only send new disputes in when you receive a letter telling you the status of your old disputes.
3) Buy a Credit Repair Kit
Self credit repair while not difficult can be a long road to go down if yo have no knowledge of the process. A good book or kit can help guide you and also give you some great tools and tips to make the process much faster. You can down load some great kits online and have them right on your PC for easy reference.
Glenda
