How To Repair Bad Credit Fast!
When you are applying for a loan or credit card you need to repair bad credit fast. Here is how I was able to raise my score 110 points in less than 60 days.
According to the Better Business Bureau “Everything a credit counselor can do for you legally, you can do for yourself at little or no cost”. also 70% of all credit reports contain errors.
Since we are applying for a loan the first thing we need to do is check our credit score. since using my method can repair bad credit fast, less than 60 days, you need not apply until you have repaired your credit.
The first thing a lender will do is pull your credit report. They can get them the same day. The best part about this is that even if your score is only temporarily increased it will have served it’s purpose.
First go to annualcreditreport.com This is a totaly free service with no obligations. Unlike the advertised sites, such as freecreditreports.com, annualcreditreport.com is not a membership site that will bill you if you don’t cancel. This site allows you to see your credit report once a year for free.
Since I was in a hurry I chose the option to view it online. I then searched it for any late payments. The first thing I did was dispute any medical bills listed as late. My brother works in the medical billing field, he told me they don’t have enough time to respond to credit bureaus to confirm late payments. I then went on to dispute all other late payments.
We want the creditors to have the burden of proof. sometimes they will not respond at all sometimes they will respond late. Either one of these will benefit us. Even if they do respond late we can use the “challenge process” later to get them removed permanently.
Next we need to notify the credit bureaus in writing which items we are disputing and why. Include any relevant information such as account numbers payment dates if they support your position etc.. They will have 30 days to to investigate or remove any items that they did not get a response to.
The consumer credit reporting act states that the credit bureaus must give you a copy of your report after they have made any changes per your request.
The steps to repair bad credit fast is not a difficult one. I was able to lift my score 110 points in less then 60 days. For an easy to follow guide to improved credit visit repairbadcreditfast.info