Self Credit Repair – 3 Surefire Tips Guaranteed To Work
April 18, 2009 by Tim Beachum
Filed under Bad Credit
Throw out everything that you have been told thus far. Forget about using credit repair agencies. You would be better off writing to Santa and asking him to help you.The goal of this article is to share some surefire techniques that are guaranteed to work.
I recommend to my students that they start their self credit repair by putting together a budget. You want to create a personal balance sheet. Make a list of all your monthly debts, then another list of your income. This will give you a birds-eye view of your entire situation. Consider this to be a starting point.
Now it’s time to roll up your sleeves. You will want to request copies of your credit report. Once you have your reports in hand highlight the negative dings. Send a letter of dispute to all three bureaus along with any proof that you may have regarding each ding on your credit report.
Here’s a little self credit repair secret that I had to learn the hard way. When you get ready to send off your letter of dispute, make sure to send it certified mail. This will be the only proof that you have of your dispute claims.
Avoid those free credit dispute letters that you see all over the Internet. I have had several of my students share horror stories of them attempting to use them. From my experience you are a lot better off handwriting it or using a word processor. You don’t want to come across like some attorney or bogus credit repair agency.
If you are serious about self credit repair you will need four things. The first thing you will need is knowledge. The second is organization. The third is persistence. The fourth is time. Your credit didn’t go downhill overnight so don’t expect it to magically be repaired overnight.
