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Credit companies always appeal to
consumers who have poor credit historym
and they often promise to erase bad
credit, to clean credit reports and even
create new legal identity. But can they
really help in repairing bad credit
history?
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Here are some points to consider when
deciding on seeking any help from credit
repair companies:
- They collect payment for services in
advance before they provide any
solutions
- They do not inform you of what they can
do for free; they even conceal the
information regarding your legal
rights.
- They advice you not to directly contact
your credit report company.
- They recommend you to create a new
credit report and new credit identity
using the employer identification number
rather than social security number.
- They suggest that you hide all
information about your credit report.
 Check
on the above scams because engaging in
something fraudulent can lead to your
prosecution.
The truth is that no company can
legally and accurately remove all bad
records on your credit report.
According to FCRA or Fair Credit
Reporting Act you can actually ask for a
free credit report when a company acts
adversely against you. For example, you
are denied of your application for credit
or insurance.
Basically, there are techniques on how
to repair your credit:
1. Review and always get a copy of your
credit report. Even though you have no bad
credit record, you should review your
credit report regularly. This will be
useful to ensure that all contained
information is correct, up to date and
complete, and check on the information in
your credit report that will affect your
insurance or loan application and what
amount will you pay for them. It will
guard you against someone who utilizes
your personal information such as identity
thieves.
2. Analyze your credit report. This can
let you see if there are inaccurate
entries or negative listings. Most of the
entries are not easily looked upon, such
as medical collection. In addition, there
are those reporting late payment although
you have paid on time. Analyzing your
report will let you ensure that no thieves
are stealing your identity and using it
for illegal transactions.
3. Make an entry of all the items which
you find to be negative or questionable.
Identify the negative and positive items
on your credit report. You should also
rank these items from the least to the
most damaging information. Examples
are:
- Foreclosure
- Repossession
- Collections
- Credit rejections
- Late payments
- Bankruptcy
- Court judgments
- Loan default
- Past due payments
- Credit inquiries
Take note that if your company does not
notify you of the bad information that
will be placed on your report, they are
clearly violating the FCRA. You can use
this act against them and you can
immediately ask them to remove the
negative listings.
4. Create a dispute letter
addressed to the credit bureaus. Indicate
the reasons why you disagree on the report
and check all the items that you are
questioning. You can ask for every detail
that you found disputable, but you will
have a hard time to get foreclosures and
bankruptcies off your credit report. Be
sure that the letter is sent certified or
registered. This is important so that you
can be sure when the letters are sent and
received. The letter will also give you
rights when the company will not respond
on the prescribed time by the law.
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"Help Fix My Credit"
information continued
....
 5.
Have a record of all your
transactions; document the date
when you send letters and what
are the results. Track down your
correspondences and have it
organized. You should also note
all the telephone conversations
from the date and time, name of
the person you talked to, her/
his position, what transpired in
your conversation.
6. Let the credit
bureau investigate your claims
and wait for the results. Once
the agency receives your letter,
they are obliged to investigate
it. The agency will have to
resolve the dispute within 30
days, after which, the consumer
shall receive written
notification of the results. If
the investigation results reveals
error again, you can request for
revision of the report
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7.
Evaluate the results. The credit bureau
will summarize the revisions it made on
your report. Compare your notes with the
list from the bureau to check if the
results are accurate.