10 Step Credit Repair Guide

Step 1

How Does Credit Repair Work?

Repairing your credit does not have to be difficult. You just have to know the steps involved. In step 1 of this 10 part series, we discuss how credit repair works and what you can expect when using a credit repair company. Let us show you how the credit repair process works from start to finish.

We will show you what you what will happen step-by-step from the moment you sign up with the credit repair company until you receive your results letters from the credit repair agencies.

More Details

Step 2

Understanding Credit Repair Laws

When undergoing credit repair you must first understand a list of credit repair laws that will help you legally remove negative items from your credit reports.  You are not powerless when it comes to improving your credit score.  Since about 79% of credit reports contain errors, your credit could be suffering due to no fault of your own.

That’s why you, as a consumer, are awarded several rights that protect you from such errors and inaccuracies. In today’s advanced technological age, your score may even be suffering due to fraud and identity theft.

More Details

Step 3

How Much does Credit Repair Cost

The cost of credit repair will vary from case to case because each individual situation is different. Factors include how many derogatory items that you have, how recent they are, and how stubborn they are to get removed. So what we’ve done, is we’ve benchmarked a lot of data from the last 10 years.

We have looked at the average amount of time each consumer has stayed within a credit repair program and multiplied that by the average amount that the companies charge to come up a number that you expect to pay. It’s not as much as you might think, and we feel it is certainly worth it if it helps you to raise your score and establish good credit.

More Details

Step 4

How Long Does Credit Repair Take?

This is another question that we get asked often. Because each individual client’s case is different and because personal expectations also differ, the length of time is unique to each case. A client that has many derogatories will surely take a little bit longer than if a client only has a few items to be deleted. The stubbornness of getting difficult items to remove plays a factor as well.

So what we have done, is we are taking data from over 10 years from our recommended credit repair companies and we’ve looked at the length of time that the average client state in the program.

More Details

Step 5

Understanding your Credit Reports and How To Read Them

There are three major credit bureaus, and when you order your credit report from them, they all have different layouts and formats. Some have unique codes and statuses of how your accounts are standing, and how you are managing and handling them.

For the most part, though, getting to the pertinent information is not that difficult. We will show you how to scour your report and look for items that stand out and need improving or simply need getting deleted. It’s just a matter of understanding how to read your reports.

More Details

Step 6

Checking Credit Reports for Accuracy

Once you know how to read your credit reports, checking them for accuracy is the next most important step. Accounts can be listed twice, accounts that aren’t yours could be listed, your credit limit that your creditor reported could be wrong, your name could be misspelled, and much much more.

Going through your report in depth, and with a fine tooth comb, is imperative to find the smallest of inaccuracies. We’ll show you what to look for and what to do when you find it. Do not let the credit bureau sell your information to your prospective creditors with inaccurate information about your financial profile. We want to make sure that you did not do that.

More Details

Step 7

Disputing Credit Reports

Once you have found and identified inaccuracies in your credit report, the next step is to dispute them. In this section will show you how to dispute by writing letters to the credit agencies and most importantly what you need to put in those letters.

There are some secrets to the trade to get results. It’s always better to hire a professional credit repair company to do this step, but you could also do it on your own. Go to step 7  right now and learn how to dispute inaccuracies today.

More Details

Step 8

Wait For Credit Agency Response Letters

In today’s dwindling economy, multiple consumers are suffering from low credit scores. Without good credit, you decrease your ability to obtain mortgage or car loans, rent an apartment, or even get a job. That’s why it’s more important than ever to seek credit repair options.

If you’ve ever been denied for anything because of your bad credit, then you know how important it is to have a high score. Whether you were looking to get a Target credit card or a car loan, getting denied is never a good feeling, and many people don’t realize the importance of having good credit until it’s too late.

More Details

Step 9

Redisputing and Repeating The Process

In today’s dwindling economy, multiple consumers are suffering from low credit scores. Without good credit, you decrease your ability to obtain mortgage or car loans, rent an apartment, or even get a job. That’s why it’s more important than ever to seek credit repair options.

If you’ve ever been denied for anything because of your bad credit, then you know how important it is to have a high score. Whether you were looking to get a Target credit card or a car loan, getting denied is never a good feeling, and many people don’t realize the importance of having good credit until it’s too late.

More Details

Step 10

Rebuilding Your Credit

In today’s dwindling economy, multiple consumers are suffering from low credit scores. Without good credit, you decrease your ability to obtain mortgage or car loans, rent an apartment, or even get a job. That’s why it’s more important than ever to seek credit repair options.

If you’ve ever been denied for anything because of your bad credit, then you know how important it is to have a high score. Whether you were looking to get a Target credit card or a car loan, getting denied is never a good feeling, and many people don’t realize the importance of having good credit until it’s too late.

More Details

Here are Some Quick Jumplinks to Our Other Resourses

See our credit repair help guide to find answers and solutions to a lot of common questions and to some of the more difficult problems that you might be needing answers to. We are here to help and we hope our resources are useful.

Our blog has a handful of interesting articles that we hope may be of  some quick assistance.

Want to know a little more about us? See our mission and and read the story of our founder Charlie Daidone and how he repaired his own credit using the very companies that we endorse.

See our top picks of the best overall credit repair companies All of the companies that we endorse, we have used firsthand and we have proof of real actual deletions and improvements that these companies have realized for us.

We have also decided that we want to be a 100% authority on all things credit repair related, especially the reputableness of the many online companies, so we decided to create the most extensive list of every single national credit repair company with the intent to provide consumers with the best and most accurate up-to-date information. All of our findings are to the best of our knowledge and what we have gathered through our in-house research. If we do not know enough about a particular company, that will be noted and, as we always do, we will urge consumers do their own research and use due diligence before moving forward with a credit repair company.

Spread the love