| A quick Google search for help improving your credit | | | | the item in writing, the credit bureau in question will |
| will return a daunting amount of results. There are | | | | have to remove the item while they are allotted time |
| thousands of companies that specialize in helping | | | | to gather evidence that the item is correct. So, your |
| people repair their credit record. However, the | | | | credit report is essentially rid of that item in that small |
| service is usually hyped up to be a lot more than it | | | | window of time. Credit repair companies simply |
| really is. | | | | dispute just about everything bad on your credit |
| All of your major credit activity (cards, loans, some | | | | report, help you establish a new line of credit, and |
| utilities) is reflected in your credit reports from one, | | | | then send you a big bill. The smarter ones charge |
| two, or all three of the three major credit reporting | | | | upfront. Why pay them to do something you could |
| bureaus (Experion, Equifax, and TransUnion). Good or | | | | easily do by yourself? Get ready to lick some |
| bad, any open and recently closed accounts will | | | | stamps. |
| appear on your credit report. Of course, the better | | | | The beauty of this method is that once you notify |
| standing your accounts are, the higher your credit | | | | the credit bureaus they must then attempt to notify |
| rating will be, and the easier it will be to buy that | | | | the agency that reported the negative item. The |
| yacht you've had your eye on. | | | | agency only has 30 days to provide proof that the |
| However, all too often we end up with negative | | | | negative entry they placed on your credit report is |
| entries on our credit reports. Whether it be due to | | | | accurate. You'd be surprised how many times they |
| multiple late payments, severely delinquent accounts, | | | | just don't get around to it. |
| or completely erroneous items, negative entries on | | | | So why not give it a shot? What have you got to |
| your credit report are bad news. Luckily, there is a | | | | lose? It's your right to challenge anything that |
| pretty simple way to get rid of them, and it's the | | | | appears on your credit score, and even in the event |
| same process that credit repair companies would | | | | that proof is provided and the item persists, you |
| love to charge you and arm and a leg for. | | | | won't be any worse off than you are now. A small |
| If you disagree with anything on your credit report, | | | | writing campaign might be the jump start you need |
| you have the right to dispute it. Once you dispute | | | | to turn your finances around. |