Credit Repair Guide
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.
