Need Help Fixing Your Credit Problems?
Here are the actual credit repair tips I used to clean up my credit report & improve my credit score!
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Still not sure that credit repair really works?
Well, I did all of my own credit repair, and went from a complete mess, to a new car loan, a mortgage and - the ultimate proof that my credit is back to normal - getting a stack of pre-approved credit card offers (most for 0% interest) in my mail every day!
Below you can see exactly the types of bad credit I got removed from my credit report, and my wife's:
Equifax |
Experian |
TransUnion |
4 late pays |
5 late pays |
4 late pays |
4 settlements |
4 settlements |
2 settlements |
2 collections |
2 collections |
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(Keep in mind that not all types of bad credit are reported to all 3 credit bureaus, so my numbers don't add up evenly - the point is to get the ones that are there removed!)
Repairing your credit is really not that difficult. Hey, if I can do it myself, so can anyone. Really. And you don't need to hire an expensive credit repair company to do it for you. All it takes is the right information (and some persistence!)
Get a free copy of your credit report.
Then, circle all the incorrect and negative items you need to have removed.
Next. write a dispute letter to each credit bureau requesting the negative items to be removed. It may take several tries.
Then, keep trying! You may not get results overnight. But if you keep trying, your credit will improve!
Finally, review your credit report every year!
If you need help, here's a very helpful credit repair manual. The key is to stay organized, be patient, and keep trying - and even the worst types of bad credit can be removed from your credit report.
If I can do it, so can you!
Again, here's a very helpful credit repair manual to help you get your credit back to normal & improve your credit score:
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