Credit Repair Credit Repair

In Conclusion

I know we covered a lot of information in this section. Remember, credit repair is a process and not an event. It takes time, diligence, organization, and, of course, an understanding of how the game is played. Here are some of the finer points to remember with credit repair:

  1. Regularly monitor your credit report with a 3-in-1 credit monitoring service.
  2. Dispute negative tradelines individually, and no more than a few at a time.
  3. Avoid the automated system by only sending dispute letters with errors that are hand written, etc.
  4. Send all correspondence certified mail with return receipt.
  5. If a credit bureau fails to respond in a timely or appropriate manner escalate the issue and demand removal.
  6. If a disputed tradeline has already been verified, wait a few months and try again.
  7. Add positive accounts to your reports and have the right mix of credit.
  8. Keep balances low and pay on time.

Because of the amount of work and diligence credit repair requires, many choose to hire a credit repair service. Be careful when shopping around. Most credit repair companies out there do little but send out form letters every 45 days with generic dispute requests. Fill out the forms to the left to get information from credit repair and credit monitoring services we recommend.

> Creditor Lawsuits