Step by Step Credit Repair Manual
If you are looking for a comprehensive and extremely detailed credit repair manual then you need to buy a book, and there is a list of books you can buy at the end of this article. For a shortened version of how you can repair your credit keep reading.
1. Request Your Credit Reports
The first step on the road to repairing your credit is to order your credit reports from all three of the major credit bureaus. Creditors don’t usually report debts to all three agencies so you in effect have three different credit reports.
- Equifax http://www.equifax.com
- Experian http://www.experian.com
- Trans Union http://www.transunion.com
2. Examine Your Credit Reports
After you get all three of the credit reports you will need to sit down and closely examine them for errors and inaccuracies. Make two copies of each one. One is for your records, one is for you to mark on, and the original is what you will send to the corresponding credit bureau. As you examine the credit reports mark errors and inaccuracies on one of the copies as you find them.
3. Dispute Errors and Inaccuracies
The third thing that you need to do is mail a letter to each of the three credit bureaus along with the originals of your credit reports from them and detail very specifically the errors and inaccuracies you found. Mail the letters by certified mail with return receipt requested so that you will have proof later should any problems arise.
If you orders your credit reports online from the above websites, you can use the online forms on the same websites to dispute items online.
4. Control Your Spending
If you do not change your spending habits, all of the work that you’ve done and time you’ve spent disputing errors and inaccuracies will be wasted. You need to learn how to budget and follow your budget, get rid of and eliminate unnecessary expenses and extras, and shop wisely.