Credit Repair Techniques Are Easy to Implement

3 Credit Repair TechniquesIf you’re wondering how you can use credit repair techniques in your situation, then you’re not alone.  There is no better time than right now to get your credit back on track.  It’s time to start living the way you want and stop the frustrations of damaged credit.

Before you get started fixing your credit, there’s a few tings to know.  There’s a few different ways that you can go about improving your score, but it’s important to choose the best techniques for your situation.  There are a lot of bad credit repair tips out there and you have to be careful with where you get your info from.

 

#1 –  Hire a Credit Repair Company

Okay, so I’m only going to touch on this topic very briefly because personally, I don’t feel like you need a credit repair company to help you to get your score back up there.  If you are working with one of these companies the way you are supposed to, it will be important for you to learn everything that you would have to know if you did it yourself, so, why are you going to pay someone precious money to do what you already know how to do?

Plus, you need to be really careful about what company you choose to help you with your credit repair.  Hiring a credit repair company can land you with lots of problems and not so many benefits if you’re not careful.

There is only a couple companies that I have seen proven results from.  You can see my reviews of these companies on the credit resources page.

 

Technique #2 – Dispute Inaccuracies

This is one of the best credit repair techniques out there:  How about disputing items on your credit report?  If you have looked over your credit report and been left steaming because there are mistakes, no matter how small, this is the method you want to use.

Disputing inaccuracies is often the most effective technique, so it might pay for you to start learning how to do it the right way.  Yes, I said do it “the right way”:

Hand write your dispute letters because it can help to keep your letter from being categorized as being frivolous from the credit bureau.  Computers scan all the dispute letters and they can get past the system they use if you use handwritten letters, so it increases your chances of getting results.

 

Technique #3 – Know when it’s Time to “Pay for Deletion”

Okay, so this might kind of sting a bit, but it can be helpful to your credit repair process:  Sometime you need to pay the remaining or a reduced negotiated amount to have a negative item on your credit report deleted.

This is a credit repair technique you use when your disputes have failed several times.  In this situation, you might be able to settle the account, or pay less than it says that you owe, in exchange for having the account completely taken off of your credit report.

The only thing that you might not like about this method for credit repair is that you’ll have to shell out some money, but why not just take care of it?  It will wind up being “one less thing” that can stress you out.

Why not use one or more of these credit repair techniques to make this year better than last year?  There really is no better time.

 

“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.”
~ Marie Curie  (French Physicist, twice winner of the Nobel Prize, 1867-1934)

About the Author

Jeremy Maher dealt with harassing collector calls, debts piling up and damaged credit for years. He improved his situation and started helping others.   That leads us to today, where Jeremy has DIY solutions for stopping collection harassment, eliminating debt and improving your credit scores. His clients can improve their situation within the comfort of their own home.

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