IMPORTANT: There is one credit repair company that is above all others and highly recommended. Lexington Law is reliable and costs much LESS than you think. They provide top notch service with excellent results. It is highly recommended that you watch the video at the bottom of this article andcheck Lexington Law (1-800-293-3672) to repair your credit before any other alternative.
Self credit repair is not difficult. When you write credit dispute letters, there are a couple points to keep in mind.
Make sure each credit repair letter is unique.
Make sure you include the account name and account number of the item you are disputing.
Make sure you include an ID page when you mail the credit repair letters.
Make sure you include your social security number under your name at the bottom of the letter.
Make sure the credit dispute letter has a heading of your name and address. (You don’t have to include your telephone number.)
Allow me to elaborate a bit on the above points.
Making sure each credit repair letter is unique.
It is fine to use a sample or template for a credit repair letter, but make the letter your own by altering some words and changing the font size and style. Add some of your own text to the letters. This will help ensure that your letters are not thrown out by the credit reporting agencies. These agencies scan the letters to watch out for ones that look too much alike. If they get the same or highly similar letters over and over again, they might consider the letters to be junk mail.
Make sure you include the account name and account number of the account you are disputing.
If you don’t, they won't be able to tell which account you wish to dispute. This should be obvious, but you must include both items and not just one or the other.
Making sure you include an identification page when you send the credit repair letters.
An identification page should include a copy of your driver’s license, social security card and a utility bill. Copy all these on to one page. Be sure your address is current on both the DL and the bill. If it is different on one or the other, get this corrected first.
Make sure you include your social security number under your name at the bottom of the letter.
The credit bureaus already have your social. You need to put this on the credit dispute letters. It is standard procedure.
Making sure the credit dispute letter has the correct heading including your name and address.
Consider this like a business letter. You ought to have the proper header on the letter.
These are the most important steps consumers need to take to repair credit by themselves. Just follow them, and await the results!
Matthew Wierzbinski is one of the owners of www.creditblossom.com. He was a mortgage broker for over 7 years and during that time he was able to help people repair their own credit successfully. All the knowledge he built up during those years has been poured into the CreditBlossom web site. Matt wrote a credit repair guide and built credit repair software. These are available to the public for free at the CreditBlossom.com web site. Self credit repair is something anyone considering repairing their own credit should look into before they approach a company. The process is simple enough that anyone with a little time can figure it out. Using the CreditBlossom.com system makes it even easier. The site walks you through the details and the software makes writing dispute letters extremely easy. Much of the instruction also comes in video format to make it even easier.
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