How to fix your bad credit in 30 days or less and improve your credit score!

This article will teach you to repair your bad credit in 30 days!

Difficulty: Moderate

Instructions

Things You'll Need:

• your 3 credit reports
• a phone
• pen
• paper
• envelope
• stamps
• pc/internet

1. The first thing you need to do is pull all three of your credit scores. You can do this for free by going to annualcreditreport.com. Print this reports if possible.

2. Once you have this report handy, look through it, and circle anything over ten years old. Also, highlight or circle anything that you don't recognize or want to dispute. Once you have done this to ALL 3 reports, write a letter, (you can also dispute this online), to all three reports. In this letter you want to include, what you are disputing and the reason why. If something is 10 years old, or older, that would be your reason. You also want to MAKE sure that you let them know that they have 30 days to resolve your dispute, or they will be have to removed the item from your report. Send your letter' s certified.

3. More than likely you will hear back from the credit bureaus by then, if not, pull your reports in 30-60 days. If your disputes are still there, resend then letter, this time listing it as a second notice, and with a threat to hire legal counsel. Once all your disputes are cleaned up, your credit score can be boosted by 100 points or more!

Tips & Warnings

• Stay on top of the time frame, make sure your disputes are handled.
• Do not give your phone number to the credit bureaus as they will pass this information on.

[benzb]

on 8/30/2009 Great article. Very informative and I know I will get some use out of this. Thanks.

[fostertn]

on 7/12/2009 the FAQs of the optout website suggest this does nothing to impact your credit score, in a positive or negative fashion. as i know most of the components of the calculations....how does this suggestion by givemegreatcred help? I do not believe it does at all......

[givemegreatcred]

on 5/13/2009 The information is accurate but incomplete. Try going to www.optoutprescreen.com and sign up for five years. This will remove you from pre-screened offers of credit, raise your score (around 20% on average) and rid you of about 2/3 of your junk mail!!!

[Glencap]

on 12/7/2008 This is absolutely correct. You can boost your credit score in as little as 30 days, and without using a credit repair service. Great information!

[meacham01]

on 12/4/2008 Yes, this method is accurate. Thank you for sharing