Obtaining credit reports is part of your game plan to start your own credit repair. Additionally you should check your credit score.
So lets pull out a medical tool from our repair bag and get started.
Below are some quick steps to begin with:
Step 1: Obtaining credit reports and then take a look at "whats my credit score" from all three agencies to start your own not profit credit repair.
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 obtaining credit reports 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. Usually, one time a year your can obtain a copy of your credit report.
Be sure to take advantage of this free-be each year as part of the game plan.
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.
Otherwise take a look at all three reporting companies number they give you. Of the three numbers, which is in the middle? If that number is low, then you need to take some action to raise it.
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:
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.
There you go! You have your step by step game plan in place. You are in a more stable position to start your own credit repair.
Proceed to tip #3 next.
How can I get my credit report? 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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