Certainly, you can! But let me ask you this: why fix it alone when you can have help? While Im not saying that its better to fix bad credit with the help of an expert, there are some indisputable advantages when you hire a professional credit repair company to take over your credit problems. If you dont have the time for it, naturally its better to turn over everything to a professional credit repair company. If you dont think you have enough experience dealing with the finance people haggling, negotiating, disputing and so on then once again, maybe its time to call for 911. There are just so many things you have to do when youre fixing bad credit that really, when you compare what youd have to go through with the amount the credit repair company is going to charge you, it seems like youre paying a small price indeed. But if youre determined to try it out alone first then certainly, I wont stop you and indeed congratulate you for having the fortitude for such a task. Task #1 Getting A Copy Of Your Credit Report Listen well and remember: you need a copy of your credit report. Dont rely on secondhand information. Dont overestimate your knowledge of your credit history by telling yourself that you know everything thats contained in your credit report. Really, you dont. So be a good little boy (or girl) and follow Mamas orders. Approach any of the three major credit bureaus TransUnion, Equifax, Experian, take your pick and ask for a copy of your credit report. If youre feeling particularly diligent, why not ask a copy of your credit report from all three credit bureaus? Task #2 Understanding The Contents of Your Credit Report Heres our rule: if you want to prove the naysayers wrong by showing them that indeed you can fix your bad credit all by your lonesome, you should be very thorough when reviewing the items listed in your credit report. Absolutely no exception. Start from the very beginning and read on till the very last period. Mistakes can even happen with the personal information bit. If youre Mary Roberts from Philadelphia, then why the heck are you listed as Mary Roberts from Louisiana? Theres an estimated thirty percent chance that your credit report could contain errors so there, that should keep you going. Task #3 Dispute! Argue, beg, be persistent and never give up. Do what it has to take to make sure that those erroneous items are removed from your record on time. And be cunning. File for disputes a week before Christmas and Thanksgiving and since its a busy time of the year, the may just be obliged to temporarily erase those items from your records for lack of sufficient evidence. |
