If you have spent any amount of time surfing around the web trying to find out the best credit repair option out there, you probably think there's a lot more to fixing your credit than there actually is. In fact, if you're like most consumers, you're probably thinking that you have to sign on with one of those expensive credit repair services in order to really see any results. That's because those companies spend a lot of money flooding the internet with information intended to direct consumers through their doors. They intentionally overcomplicate the whole subject of credit repair. Don't be fooled!
Contrary to what many believe, creating the credit dispute letters you need to undertake self credit repair is not difficult. It is a bit of an involved process, but it's completely doable. In fact, did you know that self credit repair is actually the method recommended by the Federal Trade Commission on their website?
When a credit repair service does your credit report disputing for you, they're not doing a single thing you can't do for yourself. You can create those credit repair letters on your own. Even if you're not a good writer, you can make a credit repair letter. It's a simple matter of finding a sample of a credit dispute letter online (and believe me, there is no shortage of them available for public use). The FTC's site I mentioned above also has a sample credit dispute letter you could use, but there are plenty of other places to find them, and of the ones I've seen, any of them will work fine.
Once you have that sample credit letter, just copy and paste it into a Word document, plug in the information from the accounts you need to dispute on your credit report and send those credit dispute letters out to the reporting agencies, along with copies of your photo ID, Social Security card, and a utility bill. You'll want to be sure to make a separate letter for each account you want to dispute though, and be certain that the ID page you make is completely legible and that your addresses are current on the documents. That's it. That's pretty much all there is to credit report disputing.
I have helped hundreds of people perform their own CreditRepair, and I have seen amazing results to their credit scores-results every bit as good as the ones those same clients would have gotten if they had paid a pricy credit repair service to create their credit dispute letters for them. But by undertaking CreditRepair on their own, they saved themselves that hefty fee, which I've never known to be less than $250 dollars, but usually much more than that, even up to thousands of dollars. There's just no reason not to try the method that even the FTC acknowledges to be the best credit repair option - self credit repair.
Contrary to what many believe, creating the credit dispute letters you need to undertake self credit repair is not difficult. It is a bit of an involved process, but it's completely doable. In fact, did you know that self credit repair is actually the method recommended by the Federal Trade Commission on their website?
When a credit repair service does your credit report disputing for you, they're not doing a single thing you can't do for yourself. You can create those credit repair letters on your own. Even if you're not a good writer, you can make a credit repair letter. It's a simple matter of finding a sample of a credit dispute letter online (and believe me, there is no shortage of them available for public use). The FTC's site I mentioned above also has a sample credit dispute letter you could use, but there are plenty of other places to find them, and of the ones I've seen, any of them will work fine.
Once you have that sample credit letter, just copy and paste it into a Word document, plug in the information from the accounts you need to dispute on your credit report and send those credit dispute letters out to the reporting agencies, along with copies of your photo ID, Social Security card, and a utility bill. You'll want to be sure to make a separate letter for each account you want to dispute though, and be certain that the ID page you make is completely legible and that your addresses are current on the documents. That's it. That's pretty much all there is to credit report disputing.
I have helped hundreds of people perform their own CreditRepair, and I have seen amazing results to their credit scores-results every bit as good as the ones those same clients would have gotten if they had paid a pricy credit repair service to create their credit dispute letters for them. But by undertaking CreditRepair on their own, they saved themselves that hefty fee, which I've never known to be less than $250 dollars, but usually much more than that, even up to thousands of dollars. There's just no reason not to try the method that even the FTC acknowledges to be the best credit repair option - self credit repair.
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