Dreams Come True (With a Little Work)
How does your credit report look? If you don’t like what you see credit repair can help. Credit repair offers a viable alternative to living with bad credit. You can turn your credit around. You just need the right attitude and a little technique. If you are tired of waiting for the day your credit will fix itself, get ready for action now. You can make your future look the way you wish. Here are the facts you need to make your credit repair effort produce the results you are dreaming about.
Trust Yourself
It’s time to get serious about fixing your credit report. Let’s start with an attitude adjustment. From now on I want you to question the accuracy of the information that shows up on your credit report. If there is a question in your mind, even the smallest uncertainty, it’s time to give yourself the benefit of the doubt. Credit reports are not perfect. In fact, three-quarters of all credit reports contain mistakes. And here’s a little more encouragement; people with genuine credit problems are even more prone to having reporting errors. Start your credit repair effort by proofreading your reports with a critical eye and get ready to dispute those errors.
The Art of the Dispute
Once you have proofread your credit reports it’s time to write dispute letters to the credit bureaus. These dispute letters are the centerpiece of your credit repair project and must be done thoughtfully. The most important thing to know about the dispute letter is that it must be simple. The clerk at the bureau’s dispute center had to figure out what you are trying to say, so if you want to get the job done just say what you must and nothing more. For example, if you have found an account that does not belong to you, just say that the account is not yours. Credit repair and simplicity go together perfectly.
Don’t Quit
The credit bureaus can be stubborn. There is a fair chance that your first credit repair dispute effort will meet with resistance. If the response you get indicates that the account was verified this is not the end of the road. If you are not happy with the result dispute the offending account again! This time tell them how unhappy you are. The truth is a beautiful thing. Be polite, but be firm. Point out your right to request a proper investigation of the problem. If the issue is causing you stress or financial hardship, tell them so. Keep it simple, but tell it like it is. Determination is required. Your credit repair project will bear fruit.
A Final Technique
If you dispute the item a second time and are still frustrated by the results there is another credit repair technique you can use to get the job done. The Fair Credit Reporting Act requires that the credit bureaus provide you with information about their dispute procedure upon request. So, if the erroneous account has been verified and you would like to take your dispute one step further, ask the credit bureau to tell you how and with whom they verified the information. They must respond to this procedure request within 15 days. Once you have the information you can re-focus your credit repair effort on the creditor.
Get a Little Help
If you are too busy to make the effort, don’t fret! And more important, don’t put off this important project. If it is more than you can handle, just hire a professional credit repair service to do the job. They will review your credit reports, help you identify the errors that are causing harm, and run the entire dispute process on your behalf. Professional credit repair services are affordable and efficient. And you credit is too important to ignore. You can do it yourself, or hire a professional. If you take action you will succeed. Good luck!
Copyright © 2008 James W. Kemish. All Content. All Rights Reserved.
Article Source: http://www.articlesbase.com/credit-articles/credit-repair-dispute-success-1087330.html
About the Author:
Jim Kemish is the president and founder of Sky Blue Credit Repair, a leading credit repair service. Sky Blue Credit has been dedicated to providing intelligent customized credit solutions since 1989. Jim is a graduate of New York University and holds a degree in economics.