Where can I get the letters needed to repair my credit?
I don’t have time to all the work my self but I don’t want to pay a ton of money to a debt settlment company.
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com
am i correct?? i just went to this credit repair place and JUST got some information on how they work….then i came home and found out that all they do is submit letters to credit places.//then they submuit them to the creditors and if they dont respond its deleted….isnt that the same thing u can do on the 3 major credit places website?? called credit disputing?? alll i want to know is–is what these people are charging all this money for (credit repair) if u do some research u can do it free urself??
that wasnt my question A mercer! i was asking the same thing credit repair services do u can do urself for free correct?
Yes you’re absolutely correct. 1. Credit repair agency disputes all the “bad accounts” 2. Creditor doesn’t respond 3. Account gets deleted. HERE’S THE OTHER PART OF THE STORY: 4. Creditor finally does respond and shows proof that the account is yours–BANG–the “bad account” gets put right back on.
I personally don’t believe in dealing with repair agencies or counseling agencies, because everything that they do for you is simple; and you can do the same things with a little bit of time and research.
The bottom line is, you can’t have a credit repair agency fix anything if what is being reported is actually accurate. Disputing it with letters may take it off temporarily, but once the creditor responds and proves it truly is due, the account goes right back on there.
I would like to find the form letters that credit repair agencies use. Does anyone have this hook-up?
The best way to get your credit repaired is to be honest with the reporting companies, simply explain your situation and they can get you going in the right direction. Good Luck.
Trans Union 800-888-4213
Call the reporting companies & ask questions, they will be happy to help. Also, check each companies web-site, they will have a place to download the forms you need to correct the problem.
were can I find the 3 copies of the letters you much send to the credit agencies to repair credit?
The first letter is a formal complaint that they are reporting inaccurate c infor. Letter 2 is a Dispute Letter. All my debt is 10 – 30 years old how do I freeze my interest and learn about statues of limitations on debts?
You don’t need a formal letter. In fact, you are better off NOT using one of the many form letters floating around. Most are just chock full of bad info and very aggressive.
Start with a copy of your credit report from one of the 3 credit bureaus. You can access free annual copies from each credit bureau online thru AnnualCreditReport.com.
If there are errors on the report, you can submit an online dispute — you don’t even need complete sentences. Just list the error and why. Keep it simple. Or you can send a letter.
Derogatory items age off your credit report 7-1/2 years from the date of first deficiency. This is per the FCRA and nothing restarts that clock. If defaulted debts beyond the reporting period show on your credit report, just dispute them as being too old.
Closed accounts in good standing remain on your credit report for at least 10 years. There is no advantage to removing them as they help your credit history.
credit repair sample letters?
Federal Ttrade Commission: http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
If you’re simply disputing an item on your credit report, it doesn’t take much — the credit agency from whom you got the credit report can tell you what information they want included. For the most part, if they say you owe something that you don’t think you owe, the burden of proof is on them.
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