For those of you who are struggling with bad credit, did you know that you can repair your own credit fast and easy? There's nothing that those so called credit repair experts can do for you that you can not do for yourself except take your money (hundreds or even thousands of dollars). By simply writing dispute letters and requesting an investigation of accounts on your credit report, you can make a drastic positive change in your credit history and boost your credit score significantly in 90 days.
The first thing you need to do is get a copy of your credit report from all three major credit bureaus which are Equifax, Experian, and Trans Union. There may be some accounts on one report that is not showing on another. To get an accurate picture of your credit situation you will need to look at all three reports. You're entitled to a free credit report once a year or within 60 days of you having been turned down for credit. To get your annual annual credit report just type "free annual credit report" in to any search engine and go to one of the websites that come up.
Once you have gotten your credit reports you need to analyze what accounts are in good standing and what accounts are inaccurate or hurting your credit score. The next step is to write a letter disputing the inaccurate or hurtful accounts and send them out to the credit bureaus. The credit bureaus then have 30 days to investigate your dispute and either delete accounts or verify them. If they can not verify them within 30 days then it is required by law for them to delete them from your report.
I was able to boost my score almost 100 points in 90 days by doing this very thing. Once I started to send out the dispute letters, accounts started getting deleted quickly. My first round of letters I got six accounts deleted and even more in the following months. I continued to send out letters every three weeks for 90 days. For the accounts that came back verified, I simply responded with a letter addressed directly to the creditor requesting the name and number of the person who verified it and a copy of my consent to open the account. If this information can not be provided then they are required by law to delete the account.
So there you have it. Keep your money in your pocket or even use it to pay off some collection accounts. You can take back control of your credit with a little time and effort and raise your fico score significantly in the next 90 days. Get busy disputing now!