Our Free Credit Repair Kit is available online and as a
downloadable PDF. If you need credit repair help, need to raise
your credit score, or just want to check your credit report, this
will help. Get step by step instructions on how to repair your
credit and raise your credit score.
New Clean Credit has also assembled some of the best articles on Credit Repair. This is a web site with completely free Credit Repair
advice and info. Fixing or improving your credit score can save you a tremendous amount of money since the interest rates your
are charged on mortgages, car loans, and even business loans are determined by your credit report.
There are no secrets to repairing your credit and you don't need any credit repair software. There is a lot of misinformation about
the best way to "repair your credit rating". Keep in mind that your credit report is simply a listing of your credit transactions,
good or bad. Negative items can be removed from your credit report and you can do it yourself. And who better than you to take
corrective action.
In fact, you are much better off doing your credit report repair yourself. Credit repair scams from companies who offer credit repair services
are numerous and can be both costly and damaging to your credit records. Before you enter into any agreement with a credit
repair company or buy any services, check out our resource page for the FTC, the most trusted source in
credit repair advice, and other government sources on advice on bad credit repair.
Or just download our Free Credit Repair Kit or use it online.
Also keep in mind that the timelines involved (30 days minimum) are stipulated by the Fair Credit Reporting Act. If you care to
try and read this credit repair law we have it on our resource page but be prepared to spend some time, it's long and boring. If
you want to do you own credit report repair, fix credit misinformation, or repair your credit score you will have to dedicate some
time and effort.
According to the FCRA, you have the legal right to dispute any piece of information with a credit bureau (such as the major
three, Experian, Trans Union, Equifax). Upon doing so, the credit bureau then has 30 calendar days to investigate the
item(s). After that time, the credit bureau will either update the item as you request or leave it alone if they proved it was correct to begin
with. If you submit additional information on the dispute during the 30 days, the credit bureau is allowed to take an additional 15
days. Disputes can be submitted online at the credit bureau’s site or simply sent via postal mail, my recommendation is to do it
online since it is normally much faster. Disputes sent in based on the free credit report now provided under FACTA are given 45
days to resolve. You can find examples and exact timelines in our
Free Credit Repair Kit.
Self credit repair requires patience and determination in dealing with the credit bureaus. There are many different rules of
procedure credit repair and you should always make sure you understand the best way to pursue your requests. Familiarize
yourself with the proper how to repair credit methods in our Free
Credit Repair Kit and you can achieve your desired results. Plan on at least a 60-120 day window to do any self
credit repair.
Check out our credit
repair resources page to
find excellent information from the FTC and others on credit
repair methods. We have just
finished compiling some of the best methods and information on
credit repair and our FREE
Credit Repair Kit (PDF) ebook is now available along with our free sample credit
dispute letter.
See our new sections on Student Loans, Loans and
Debt
Consolidation, and
Credit Cards and a listing of all our articles by category on
our Featured
Articles web page.
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Use
Our Free Online
Free Credit Repair Kit
From
Our Credit Repair Section starting here:
Credit
Repair Guide
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