The Easy Steps to Credit Repair

1. Get your three credit reports. Call for your credit report or get it instantly online, or send for it in the mail.

2. Once you have your reports, review them and find all the items you would like to remove or correct.

3. Send letters to dispute negative accounts. You do not want to use the dispute forms included with your reports. It is more effective to use the sample letters I have included with this report. With your letter send a copy of your credit report with the disputed items highlighted. Make sure to keep your original copy for your files.

4. Disputed items are deleted or corrections are made on them. (If not go to step #5)

5. Negotiate with collection companies and creditors. Get in writing that when the debt is settled they will report it to the credit bureaus as current, paid off, and never late. Tell them the debt is not worth paying if it still remains on your credit report. If they don’t agree say, “well I guess I’ll just have to file for bankruptcy and you will get nothing at all.” Often you can also negotiate to pay a reduced amount.