Ways on How to Perform Credit Repair on Your Own (part 1 of 2)

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When the time comes that your credit becomes a bad one, you will notice that several credit firm will get in touch with you and offer their services to help you get through the problem, but for a fee. Perhaps, they have a point; however, don’t you think your first step when suffering from bad credit should be to fix it all by yourself? You may not know it yet, but performing a credit repair on your own may be the best thing you have ever done.

It may seem that repairing your own credit is such a difficult task; however, those who have tried this process on their own would tell you that it is not really as tough as it seems. Thus, if you want to be one of those people who repair their own credit, you may want to start it right. First, you should contact at least one of the major reporting agencies – TransUnion, Experian and Equifax. You may want to request for your credit report.

And when you already have a copy of your credit report at hand, try to check the accuracy of all the information indicated therein; more or less you will find some discrepancies. There are instances when your previous debts which you have already satisfied are still reflected and still included on the report.

Be ready to mark these errors on the report itself, or on a separate piece of paper. Then, submit a statement regarding these errors to the agency from which you have received the report. After the submission of a written report, you may want to contact them by phone as well. If they ask for a proof regarding the error, you should be able to present your credit report.