Repair Credit Report Help
How do I fix my credit report?
I pulled my credit report and found out I have 4 negative marks and 0 positive. Thankfully it will cost me less than $1,000 to fix the negative, all utility bills.What do I do after that?
Public Comments
- You need to pay all your delinquent balances. Fixing your credit isn't a magic trick. You have to have a pattern of using it correctly and paying bills on time, AND PAYING BILLS PERIOD. Nothing just goes away immediately. Good luck!
- After that once you pay your bills, you photocopy the receipts, and send them into the credit people (the place where you got your credit report from) and ask them to fix it up for you - say "here's the proof that these matters have been taken care of, please amend my credit report". I know that in Australia, even once you pay the amounts, the marks stay on your credit rating for 7 years. However if you're not in Australia, i'm unsure of the rules there. But that will initially fix the problem you're having :)
- How old are the debts? What is the total for each? Are they with collection agencies or the utility companies? WRITE, stay off the phone at every level, do not say a word over the phone and offer them a fraction of the debts if over a year old the older the less percentage. When you get their reply IN WRITING that that is acceptable then send in a Money Order or Certified Check, never a personal check and do not allow them to take the funds from your checking account. When you WRITE those letters it never hurts to throw in a sentence or two on paying if they delete, all they can say is no.
- Written by a loan officer - How to boost your credit score: http://www.openhouseatlanta.com/Boost%20Your%20Credit%20Score.aa.pdf FTC - How to dispute credit report errors: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm Free Annual Credit Reports: https://www.annualcreditreport.com/cra/index.jsp Why would you pay someone $1000 to fix what you can easily do yourself????? Don't let them take advantage of you!! They are only going to do the same things you can yourself, and save the thousand bucks!!!! Read these and get busy fixing the mistakes you have made in the past. Life happens, but from this day on, make sure you pay all your bills promptly! Keep track of what is on your credit report too! Three different free reports, so request one every four months. You'll be entitled to the free report from the first one again by the time it cycles through. If you get a WaMu card, you can see your credit score for free. Just don't charge anything you cannot pay off the same month! Good Luck!! ~ Suzi :)
- Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-free.totalh.com
