Free Credit Repair Tips 2: Step by Step Game Plan

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.

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

Step 1: Order your credit report and discover "whats my credit score" from all three credit agencies to start your credit repair. You must check your credit score from these three agencies/bureaus to start your own non profit credit repair. If you want to order a credit report, click here.

Step 2: Be sure to keep a record of the "confirmation or file number" reported on each of these credit 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.

All three credit reports and scores can be obtained for a low fee. Be sure to read the terms and conditions of any company's agreements when you're getting your credit report. Depending on where you live in the United States, free credit reports can be obtained online.

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're applying for a car loan, it helps to know which credit bureau the car dealer likes to use.

Step 4: Verify the data being reported on your credit report.

It is your responsibility to verify that the data being reported to the credit bureaus is accurate. Some examples of what to look for are:

• Misspelled names
• Wrong addresses
• Incorrect social security information
• Make sure you recognize all creditors being reported
• Make sure the negative items belong to you, if not send a letter
• Look for signs of identity theft
• Check for unauthorized inquiries
• Make sure all credit card limits and balances are reported accurately
• Check the statute of limitations in your state and see if some derogatory items may now 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: Dispute inaccuracies immediately by starting an immediate investigation by phone or online.

• Send dispute letters to the credit 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 credit bureau.

  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 credit item deletions from your creditors, as well as payoff letters, to the credit bureaus. Although they take up to a week to change your report, sometimes if you talk nicely they can have it done pretty quickly.

Proceed to free credit repair tips #3 next.

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