How do you repair bad credit?
” its too late. Its usually once their family has been denied for that perfect house they picked out and wanted to buy. They make enough money and theyre good people. They deserve a shot at credit, but their credit scores are too low. Sometimes its on the way back from a car dealership or at a bank after applying for a car loan and finding out that their application has been denied. Either way, it can really be a heart breaker and it can stop you from living the life you want to live. The good news is that no matter how bad your situation is, there are many ways to repair your credit. The best way to do that by contacting the 3 major credit bureaus Equifax, Experian and TransUnion and requesting a copy of your credit reports from. You should also get a copy of your FICO scores so you can measure progress. Once you have your credit reports, youll want to make sure all the information is accurate. About 79% of all credit reports have errors on them.
Our program utilizes targeted disputes based upon the Fair Credit Reporting Act in order to delete inaccurate, misleading, obsolete and unverifiable information from your credit reports. Once we’ve received your credit reports, we will prepare the appropriate intervention or dispute letters. The dispute letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation. You do have the right, under federal law, to conduct your own credit repair process if you so choose. While this may sound easy, any person who has attempted to dispute items on his own credit report may tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. At the conclusion of the credit bureau’s investigation, a new copy of the credit report should be sent to your home along with any deletions or improvements. You then copy and send us the new credit report.
