10 Step Credit Repair Guide

The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies. You can get the credit reporting agencies to help you instead of hindering your excellent credit quest with these tips.

1. Order credit reports.

2. Check for discrepancies.

3. Note problems and discrepancies in your Credit Dispute Log.

4. Contact disputed companies by telephone. (Contact original debtors, not collectors.)

Log the telephone call with a brief summary of agreements.

Remember to record the name of the contact representative.

5. Follow up with certified letter to original company.

6. Write letters to collectors, dispute bill, send documentation of payment to original company.

7. Fill out dispute form provided by credit bureau.

8. Write separate letter for each disputed item to credit bureaus.

Send letters by certified mail.

Enclose copies of supporting documentation.

9. Use the number provided by the credit bureau and call for progress; have your reference number handy.

10. Keep comprehensive records in your Credit File.

These ten steps will help you finance your dreams.

Copyright (c) 2005 by Jeanette J. Fisher. All rights reserved.

Forget what you've been told about credit. "Credit Help!" author Professor Jeanette Fisher was forced into becoming a credit expert. She loves helping people buy houses. Get the credit you need to buy one house or twenty. Visit Real Estate Credit Help Center: http://www.recredithelp.com Subscribe to Credit Help! Tips. Send a blank email to CreditTips at reCreditHelp.com

---

When You Are Eligible For A Free Credit Report

By Federal law, you are entitled to one free credit... Read More

All About Balance Transfers

What is a balance transfer?A balance transfer can be explained... Read More

How Healthy Is Your Credit

There's only one way to discover the "health" of your... Read More

Why Consumers Need a Nationwide Credit Freeze NOW

What do a shoe retailer, an online discount broker, and... Read More

Annual Credit Report and Free Annual Credit Report

Getting an annual credit report review has been the advice... Read More

Borrowing on a Credit Card

One of the easiest ways to borrow money of a... Read More

Are You The Only One Using Your Name?

Identity theft has become an epidemic. Millions and millions of... Read More

Applying for Credit Cards Online

In the olden days, about 10 years ago, before the... Read More

Choosing the Right Credit Counseling Agency for You ? Some Tips Part 2

Credit counseling companies come in all shapes and sizes. Whether... Read More

4 Steps to Creating Good Credit

As a consumer you've learned the importance of establishing a... Read More

Everything You Always Wanted To Know About Your Credit Report

Your credit report is a very powerful report that essential... Read More

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?

About Search Entries:Every time a lender checks your credit history... Read More

Manage Your Credit Wisely

Getting your first credit card is a big deal and... Read More

How To Repair Your Credit Report

A credit report is run on a buyer when he... Read More

Credit Cards: Pros and Cons

Sure, there are a lot of problems with credit cards,... Read More

Finding the Right Credit Card

There are so many credit cards out there to choose... Read More

Credit Card Entrapment - The Secrets are Out

Have you ever wondered why your credit card bill is... Read More

Beware of Falling Minimum Payments

If you opened a credit card statement recently and were... Read More

Which Business Credit Cards with Reward are the Best?

Thinking of applying for a credit card with a reward... Read More

Useful Tips When Choosing Credit Cards

Chances are you have received your share of "pre-approved" credit... Read More

Do You Know Whats On Your Credit Report ?

It is important to know your credit rating for a... Read More

Consumer Credit Reports

A consumer credit report is a factual record of an... Read More

Tips for Choosing a Credit Card Company

Credit Cards are essential for any consumer today. However, when... Read More

Credit Card Expenses Are Killing Your Budget!

Do you know the costs associated with your credit card?... Read More

Different Types of Credit Cards and Features - Part 1

Just as there are too many credit card companies to... Read More

Credit Card Security Advice

Which of the following is the biggest threat to your... Read More

Building Your Credit History

Today, credit is an indispensable part of our lives. In... Read More

Searching For A Low Interest Credit Card?

These days, people need to very carefully consider what type... Read More

Credit and Banking Money Saving Services

The first rule when applying for banking and credit services... Read More

Credit Report ? How to Improve Your Credit Score

One of the great mysteries of life is how the... Read More

5 Ways To Prevent Credit Card Late Fees

Paying a credit card late fee is the same as... Read More

Credit Help For Renters And Others On The Horizon

Sue is a homeowner and pays her mortgage and other... Read More

Have You Ever Opened a Checking Account?

Maybe some of you are saving it in your trusty... Read More