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Can I Fix My Bad Credit Alone?
by: Magalie Noel Dresse
Certainly, you can! But let me ask you this: why fix it
alone when you
can have help?
While I'm not saying that it's 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 don't have the time for it, naturally it's better
to turn over
everything to a professional credit repair company. If
you don't think
you have enough experience dealing with the finance
people – haggling,
negotiating, disputing and so on – then once again,
maybe it's time to
call for 911. There are just so many things you have to
do when you're
fixing bad credit that really, when you compare what
you'd have to go
through with the amount the credit repair company is
going to charge
you, it seems like you're paying a small price indeed.
But if you're determined to try it out alone first then
certainly, I
won't 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. Don't
rely on secondhand information. Don't overestimate your
knowledge of
your credit history by telling yourself that you know
everything
that's contained in your credit report. Really, you
don't. So be a
good little boy (or girl) and follow Mama's orders.
Approach any of
the two major credit bureaus – TransUnion and Equifax,
take your pick
– and ask for a copy of your credit report. If you're
feeling
particularly diligent, why not ask a copy of your credit
report from
both credit bureaus?
Task #2 – Understanding The
Contents of Your Credit Report
Here's 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 you're Mary Roberts from
Philadelphia,
then why the heck are you listed as Mary Roberts from
Louisiana?
There's 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 it's a busy time of the year, the
may just be
obliged to temporarily erase those items from your
records for lack of
sufficient evidence.
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