Tag Archives: Credit

Credit Repair letters can help you in repairing your credit

If you are worried about repairing your credit worthiness, you can easily find many credit repair letters online. You don’t need to be much educated when you decide to repair your own credit. You just need a copy of your latest credit report to see the items on your credit report. You can pull a copy of it from the three credit reporting agencies: Equifax, Experian and Transunion. You get a free copy once in a year. And if you are pulling your report more than once, you just have to pay a nominal fee for it. The process is not complicated. It just needs a little time and patience to follow all the instructions mentioned on the website.

Credit repair letter

Credit repair letter

A copy of your credit report will act as a guide of what you want to achieve. You need to be focused on a particular goal and rectify the errors reflected on your credit scores.

You need a few papers and envelopes to prepare your dispute letters. Once the dispute letters are ready, you have to send it to the concerned bureaus.

In order to prove your identity and address, you will need a current copy of your utility bills, driver’s license and the social security card. When you show these documents, the bureaus will quickly understand that you are the right person filing this dispute and start the investigation procedure with your credit grantors.

The credit report that you will get from the credit reporting agency will help you to select the letters according to your requirements. You can even file your disputes online and save a copy of it in your computer.

When you are preparing your dispute letters, you need to be very careful because a slight error will disqualify your letters; and this will also have a further negative impact on your credit scores. So when you are disputing the items on your credit report, make sure that you have enough knowledge about it.

Credit repair

Credit repair

When you get online, you will find varieties of dispute letters that may fit similar to your situation. You will have to tailor it according to your situation. Bankruptcies, 30-day late fees and charge-offs can always be altered. You can also change the reason of your dispute as per your requirements.

Once you have finished drafting your dispute letters, go through it carefully to make sure that everything is correct. Then you send it to the mailing address of the credit bureaus. Make sure that you send it through certified mail and return receipt requested to have a proof of your actions. The credit bureaus will then verify your dispute with the companies on your dispute letter. If your dispute is found to be correct, it will be removed from your credit report and you will get a fresh copy of your credit report delivered to your mailing address.

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Reporting time of a Judgment on your credit report

Do you know that a judgment can stay on your credit report for seven years? As per the federal and state laws, you can determine the tenure of judgment on your financial statement. Many people do not realize that the negative information does not get cleaned by itself. You have to be retroactive and make sure that your credit report is in good clean condition.



Creditors or the collection agencies report your payment history to the credit bureaus. They will report on your credit report if you miss a payment, or default on a loan, have filed bankruptcy in the past, or if you have a judgment on your credit report.

If you have a judgment showing up on your credit report, then you need to go to the court that entered the judgment against you in person. It can be quite a hectic job. You can find the name of the court on your credit report along with other necessary information. You can ask from the court to provide you a certified copy of the judgment. If they are unable to provide you a copy of the judgment, then they need to write a letter for you saying that no judgment is held against you.

If you get a copy, then you must check the judgment copy very thoroughly for any kind of errors. It is your legal right to dispute all the errors reported on your credit report.

It is recommended that disputes related to your credit report should be sent to the credit bureaus in certified mail with return receipt requested. Write your complete name with your mailing address and provide any document related to your credit report. The credit bureau will contact the information provider to verify your dispute. It may take 30 days to respond to your request. Repairing your credit report is a serious task and you need to have a lot of patience while fixing it. Do not take any short cuts otherwise it will create a big problem for you in the future.

Keep a constant eye on your credit report until the judgment is removed. You are allowed to get a free copy of your financial statement once in a year. By keeping a regular check, you will be able to verify all the information on your credit report and make sure that everything is reported correctly.

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