Credit repair after bankruptcy isn’t really the right wording for what it is you’re really doing, you’re not really going to be fixing things specially, you’re rebuilding. All of the work you’ve already done in court was the fixing part of your financial problems, you made the debts go away. Now, you have a fresh start with your finances, well, sort of.
Sadly, you will be looked down on for having these past problems, you can’t escape your debt completely. But what you can do is build up a new history to show people when you go to apply for anything where your finances are looked at, and this is how you will work on credit repair after bankruptcy.
You want to start on this immediately after you’ve finished filing if possible. The first thing you need to do is save up a few hundred dollars in an account.
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If you are looking for a credit repair guide then read on and follow the advice in this article. Repairing your credit score is not something that you can do overnight it can take quite a long time and a lot of work, and once you get some good results then it will take more work to maintain a good credit score. This article looks at how you can repair your credit by getting a copy of your credit report and fixing any errors that it may contain. The purpose of this article is to help you with this process by presenting you with a simple credit repair guide.
The first thing that you need to do is to contact the major credit bureaus, these are Equifax, Experian and Trans Union. You are allowed to request one copy of your credit report from them each year for free. You can contact them online, by mail, or by telephone.
Once you have got your credit report you need to sit down and carefully study it. Check it for errors, there may be errors about your identity such as your name and where you live. There may also be errors relating to your spending and borrowing habits. For example, if you find a reference to a missed payment on a loan or credit card and you believe that you did in fact meet this payment in time, you need to contact the credit bureau and request that they investigate this error. If they cannot prove that you are wrong then they must remove this error from your credit report. The letter that you send them is known as a dispute letter.
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There are many credit repair kits on the market today and they all promise to help you increase your FICO scores and clean up your credit report. Some of these credit repair kits do a great job while others provide useless information that will not really help you. So how do you know which one to buy for your situation, well keep reading as i will cover the two top credit repair kits on the market today.
37 Days To Clean Credit
Probably the best credit repair course on the market is 37 days to clean credit. This course includes and 80 page Ebook that walks you through the entire process of repairing your own credit. It starts by showing you how to order and read your credit report and continues on explaining how to dispute negative items and also ways to rebuild your FICO scores!
It is reasonably priced and can be downloaded instantly to your computer upon purchase. It includes alot of bonus products and credit repair dispute letter templates. It is by far one of the most complete courses on the market.
For more information check out my full Review Of 37 Days To Clean Credit
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