Fast and Easy Self Credit Repair

For those of you who are struggling with bad credit, did you know that you can repair your own credit fast and easy? There's nothing that those so called credit repair experts can do for you that you can't do for yourself except take your money (hundreds or even thousands of dollars). By  simply writing dispute letters and requesting an investigation of accounts on your credit report, you can make a drastic positive change in your credit history and boost your credit score significantly in 90 days.

The first thing you need to do is get a copy of your credit report from all three major credit bureaus which are Equifax, Experian, and Trans Union. There may be some accounts on one report that is not showing on another. To get an accurate picture of your credit situation you will need to look at all three reports. You're entitled to a free credit report once a year or within 60 days of you having been turned down for credit. To get your free annual credit report just type "free annual credit report" in to any search engine and go to one of the websites that come up.

Once you have gotten your credit reports you need to analyze what accounts are in good standing and what accounts are inaccurate or hurting your credit score. The next step is to write a letter disputing the inaccurate or hurtful accounts and send them out to the credit bureaus. The credit bureaus then have 30 days to investigate your dispute and either delete accounts or verify them. If they can't verify them within 30 days then it is required by law for them to delete them from your report.

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