The process of repairing your credit is done through a series of dispute letters which are sent to the three main credit bureaus. You should also send a letter of dispute to your creditors. The goal is to make sure that everyone is on the same page. It's always better to be safe than sorry. The sad truth is the credit bureaus often don't have the time or motivation to justify the validity of your dispute. Because most employees at the credit bureaus are so over worked a ton of mistakes occur. In turn they never bother to double check the information that they are reselling. In a nutshell they are there to make money. They can careless about you and or your current situation.
Whenever you dispute an item the bureau passes that information to the creditor. The creditor checks the information against their records, and whatever it says they report back to the bureaus. In short this means that a lot of incorrect information is being passed back and forth and it's up to you to put a stop to it. The bottom line is the credit bureaus make more money from you having bad credit than they do when you have good credit. If you would believe the media you would think that the credit bureau's are there to help you. Your success with your credit repair comes down to this, knowledge, understanding, and the most important (drum roll please.....) Persistence! Persistence is going to be the key to you reaching your goal. I tell my students all the time that the number one thing that they must do is take immediate action. No matter what happens they will at least get a result, and they can take another action depending on their last result. Just keep repeating the process until you reach your desired results. With that thought in mind you need to take action right now! Get Your Credit Repair Kit Now Chances are if you are still reading this you are wasting time. Did you know that it is costing you money to read this right now? Your creditors are charging you more money because of your current situation. My advice to you is to stop wasting time and get started today! Home | Privacy Policy | Terms of Service Agreement | Refund Policy |
Brace yourself because the truth sometimes is like a punch in the face. The truth is the credit bureau's system isn't designed for those who are persistent. This is why it is your job to know your rights and NEVER accept no as an answer. The downside as far as you the consumer is concerned is the bureaus system is mostly automated. This means everytime you try to get a human to do there job you will be thrown back to the robots! 