Free Credit Repair Tips 2 - Your Strategic Steps

Free credit repair tips 2 shows you how to set up your game plan to check your credit score and start your own credit repair. You need this game plan for your own non profit credit repair.

So lets pull out a medical tool from our repair bag and get started.

Non Profit Credit Repair with Free Credit Repair Tips 2

Below is the steps to use the free credit repair tips 2 that you need to fix your credit in a hurry:

Step 2: Be sure to keep a record of the "confirmation or file number" reported on each of these reports. This allows you to follow up on your items by phone or fax. The quickest way to get your report is to order it online.

In order to have your credit reports and scores from the reporting agencies, you may have to pay a fee. Never purchase anything without reading the terms of any company's agreement for the reports. Free reports can be obtained online in some states.

Step 3: You must also know which score is your "middle score" if you're applying for a home loan. This is the score that has the middle value out of all three scores.

If you are looking to get a car loan, find out which reporting agency the dealer uses. That way you only have to work on that agency's report.

Step 4: Look at the information on your credit report, for accuracy.

It is up to you to make sure the information the agencies have is correct. Some things to watch for are:

• Names spelled correctly
• Incorrect addresses
• Social security information listed correctly
• The creditors are ones you are aware of
• Negative items listed are really yours, if not send a letter
• Evidence of identity theft
• Look to see if there are inquiries you didn't authorize
• Watch for credit card limits and balances - are they reflected on your report correctly
• Know your state's statute of limitations for reporting items. Can some of these derogatory items be removed?

For example, if your address is listed as 1313 S. Anywhere Blvd. on one application for credit, and 1313 South Anywhere on another account, the credit scoring system sees each difference as a separate address. This can make you appear to be unstable and raise a red flag. Be sure to verify the data being reported.

Step 5: Did you find errors? Dispute these by starting an immediate investigation by phone or online.

• Send dispute letters to any reporting agencies to have the errors corrected.
• Start an internal investigation with your creditor. This is important to your credit repair. Send the creditor a copy of the letter you sent reporting the inaccuracy to the reporting agency.

  If they're a big creditor such as a credit card, the dispute may show a "pending" deletion right away, in other words, any bad item may be temporarily suspended pending investigation.

• Fax any proof of item deletions from your creditors, as well as payoff letters, to the reporting agencies. Although they take up to a week to change your report, sometimes if you talk nicely they can have it done pretty quickly.

Where can I get my credit scores? You can find out where to get them on the Free Credit Scores page.

Do you want to find some good dispute letters? Credit Repair Letters will show you where?

Are you in a quandary as to what you should do with the errors you find? How to do a credit report dispute page explains the whole process.

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