Easy Credit Repair Tips that everyone can use.
So, lots of times you hear about credit repair tips that will really help you get going on your endeavors, but how good are these tips really? Now, I don’t know about you, but when you get super excited about finding out some ways to make it easier to fix your credit but it turns out that you’re just going to have to “buy the program” it can really suck.
So, I have some really great credit tips that will help you to get started!
Tip #1:
Choose the right reason for your disputes!!! Lots of people will send a general letter when they file a dispute with the credit bureaus and this can get your request flagged as “frivolous”. For this reason, you need to make sure that you choose the right type of dispute letter. For instance, if you have a debt that you don’t recall, don’t simply say that it’s not your debt; instead, ask the credit bureau to “verify” the account. You’ll be more likely to make progress this way.
Tip #2:
Know how to avoid having your dispute “coded” with those dreaded three little numbers. When you write a dispute letter it’s going to go through the computer system at the credit bureau and be given a three number code. This is how the credit bureau decides what kind of computer generated response you will get. You can avoid having this happen to you by taking the time to put a pen to paper and handwrite your dispute letters. The credit bureau computers can’t decipher hand-written letters so your letter will have to reach a real person.
Tip #3:
Keep all of your correspondence with the credit bureaus, no matter how small. Now, I know this might be one of those credit repair tips that leaves you saying, “duh,” but what you need to know is that the credit bureaus are notorious for trying to stall. It’s so inexpensive for them to send you a computer generated response, so they will do this as much as they can. You need to make sure that you keep copies of all the letters, proof of identity and backup documents for your disputes so they are easy to get your hands on and send back with your next letter.
Is it really possible that these three little tips can really help you to make more progress in repairing your credit than if you didn’t use them?
Absolutely!!!!
You might not realize it, but these are three of the main problems that many people who are working on credit repair encounter. Often, when you don’t know how to offset these things from happening, you might find that you are “stonewalled” and feel like you’re forced to stop trying because there is nowhere else to go. This isn’t the case. You can fix your credit and these tips will help you.
Hungry for more?
Here’s one more that you might not have thought of:
Tip #4:
Work to build or maintain the credit you already have. You might not know it, but there is a large percentage of your credit score that is affected by the payments you make right now. So – that credit card you have and your mortgage? Start paying it on time all the time. Work to keep your credit card balances low (less than 30% of your available credit) too, because this also affects your credit score.
Having a strong payment history now will help you in the long run and the extended credit history will look better for your credit score as well.
In the end, when you’re looking for credit repair tips that can really help you, a lot of it might seem like common sense and a lot of it might seem so obscure that you would have never realized it, but there are many different factors that determine how successful your credit repair attempts really are.
I hope that what I’ve given you right now will be helpful to you and get you going on your new, improved credit rating so you can start living the life you want and deserve.