An old popular saying says that “whatever is worth doing is worth doing well.” This is true in many respects, else the credit repair agencies will not be getting clients’ patronage if they weren’t doing their jobs well. And you can do the same too if your plan to fix your file using the do-it-yourself method. I’ll explain that later in this article, but before that you want to know that the first step to achieving success in the management of your file is to grab it from annualcreditreport dot com.
After that, you will spend some quality time concentrating on the information recorded there by the information bureaus. These bureaus, Experian, Transunion, and Equifax, are responsible only for translating the data given to them by your creditors into scores. This is what creditors and banks use to assess you in case you need any form of financial help.
Understand that you will be focusing on not one, but all three of your reports when you start a repair task on your file. If you’re sure that you’ve identified all the negative and mistaken information on your report, you will move on to another phase. This new phase involves you drafting and mailing some simple and well-crafted dispute letters to the bureaus. If there’s any collector that will be requesting payment from you, then you might consider repeating a similar task for them too. What you will be doing is to mail a validation letter to the debt-buyers asking them to provide authenticity of their involvement in making collections from you. Negotiating with a collector in exchange for deletion of their collection account on your file is another way to reverse the situation.
Always ensure that you send your letters through standard mail as you do not want a bureau or collector denying ever receiving any letter from you.
To learn how to do this, remember the mention of the do-it-yourself method and the agency repair method discussed at the beginning. Make a decision of which one suits you best.
Visit do-it-yourself-credit repair or credit repair services to learn more on raising your credit score 200+ points to get approved for car, home and credit card loans.