Credit Repair: A How to Guide
Bad credit does not have to follow you forever because you can learn about the tips and tricks to help reverse your credit score. All of your debt collectors are doing their best to keep these tips and tricks a secret so that they will still have jobs. You have a right to know about this and debt collectors can’t do anything to stop you from learning.
The number one thing to do when overlooking your credit report is to be certain that you actually earned all of the negative points that are presented there. More often than not, a human error is what causes someone to receive a low credit score. Any mistake that you find must be notified, in writing, to the bureau that you received your credit report from so that they can fix the issue as soon as possible. Always proofread your credit report to see if any errors are made, because receiving a terrible credit score, as a result of someone’s accident, is one of the worst things that can happen to a person.
Within thirty to forty-five days, you should hear from your credit bureau in regards to the report that you sent, but it could take little more time than that. Delays are expected when it comes to fixing problems with credit reports, but if the delay seems to be extremely prolonged, give a call to your credit bureau to see why it is taking them so long to correct the issue.
You can start doing good credit practices that will help in the improvement of your credit score while you wait for the credit bureau to fix the errors on your credit report. Something you can start doing to make your credit score go up, which is a good habit for life in general, is pay your bills the moment that they arrive in the mail. You should do this for all of your bills, which include your gas, water and electricity, and all of the payments toward your credit card. You will have a terrible credit score if you do not pay your pills by their due date, or if you don’t pay your bills at all.
Fixing a terrible credit score is entirely possible for anyone, all it takes is a little effort that might be time consuming, but you won’t regret it when you don’t have to worry about future problems with your credit score. Although you will have to sacrifice a lot of time, the sooner you start fixing your credit score, the sooner it will increase, and you can have piece of mind when it comes to your credit report that will have a lot of influence on purchases such as cars and homes.
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