Credit Repair and Get On With Your Life!

Credit repair does not have to be that complicated. To repair credit, you have to follow some simple steps. Of course it depends on your unique circumstances, but if you are like most people who need credit repair (and likely, you are), simply sending out basic credit repair letters will improve your profile dramatically. 

So what do we mean by “most people.” Well, things are changing rapidly in the US and there are a lot more people without work, losing their homes and cars and assets. These are not ‘most people.’ The common person in need of credit repair is like this: twenty something, did some foolish stuff with credit when they were younger, hasn’t yet quite figured out how to fix it. Or, they might be people who had a tragedy or loss of income and had to file bankruptcy. These people can typically expect to see drastic improvements after credit repair, especially if they have a lot of old accounts showing up on their credit report.

When a person undertakes credit repair, the first thing they need to do is to get their credit report. This is an essential step and there are a lot of good places to get your credit report on the web. But there’s no need to buy any of the ‘up’ sales. When you get a free credit report, many websites will give it to you because they think they can sell you something else and that’s where they make their money. You don’t need to buy those things though. Just get the report.

When you review it, try to find the stuff that you think should not be on there. That is what you are going to dispute. When you dispute those items, you need the account name and account number for the credit dispute letters. That is what you put on the credit repair letter.

If you’d like some free help creating your credit repair letters automatically, be sure to check out the Credit Repair Letter Wiz™, available at http://creditblossom.com/Content/LetterGeneratingTool.aspx .

 Credit dispute letters exist in many varieties. They should look like they are coming from a ‘real’ person, and therefore they don’t have to be perfect, but you need to communicate your point when you write these credit repair letters. There are a lot of form letters you can find on the web. The FTC even provides one. Consider personalizing the letters a bit, as these letters have no doubt been used thousands of times. Just add some of your own words or change up the font a bit. This will help you in the long run because the credit report companies scan these letters looking for letters that look the same so they can call them ‘frivolous’ disputes and throw them out.

Don’t be overwhelmed by the self credit repair process. Credit disputing is not that difficult. Just get it done and get on with your life.