Improve Your Credit Scores With Credit Repair

It is Easy if You Know How

It is not hard to improve your credit scores with credit repair if you know how. This is true regardless of your current situation. It does not matter what your starting point is, there is always hope. In fact, the worse your credit the more dramatic the transformation will be as your credit repair project begins to bear fruit.

Remove Errors

If hard times have left your credit in tatters credit repair can insure that your credit report does not overstate the problems you have experienced. It is not unusual for legitimate derogatory information to spawn credit reporting errors. These errors can make your credit appear infinitely worse that it really is. All of these errors must be removed.

Open New Accounts

You may even have emerged from your troubled times without any open accounts. Now is the right time to rebuild. Two new credit cards can be worth over 100 points on your credit score within six months of first reporting. It is to be expected that you will not qualify for regular unsecured credit cards. Credit repair offers a solution. Just apply for secured cards. You will be approved and your credit scores will be on the road to recovery.

Get Back On Your Feet

Many people make the error of giving up on their credit after a period of financial stress. It is easy to understand the emotions involved, but it is absolutely urgent that a quick credit repair effort be made to restore your credit status. You will discover soon that your credit scores are more resilient than you thought. In fact, once you get a little traction you will be amazed at how quickly your credit shapes up.

Mitigate the Damage

You can expect that there will be issues that you will have to live with for a number of years. Once you have established that these issues are reporting accurately you can let time do the rest. There are two credit repair factors to be aware of regarding these legitimate issues. First, their impact will fade significantly with time. And second, you can actively mitigate the damage of these items by cleaning up the balance of your report and rebuilding your credit. The more isolated these problems are the less they will influence your scores.

There Will Be Resistance

You will have to confront the credit bureaus if you want to correct the errors you discover. The dispute process is an integral component of the credit repair process. And you must be prepared to encounter some resistance. The credit bureaus process disputes somewhat reluctantly and may employ a variety of tactics designed to lighten their workload. It is imperative that your stand your ground.

Tenacity and Determination

If you receive a response from one of the credit bureaus denying your request or verifying the questioned information, send your credit repair dispute letter again. Do not be afraid to complain. It is your right under the Fair Credit Reporting Act to have the credit bureaus request that a creditor research the dubious information. Tenacity and determination definitely payoff when it comes to credit repair.

Ask For Help if Necessary

If you know that your credit report needs work, and you have all of the best intentions, but just cannot find the time to get the job done, you should consider hiring a professional credit repair service. They will make sure that everything possible is being done to get you back on your credit feet. Do it yourself, or hire a professional, but take action now. Good luck!

Copyright © 2009 James W. Kemish. All Content. All Rights Reserved.

Jim Kemish is the president and founder of Sky Blue Credit Repair, a leading credit repair service. Sky Blue Credit has been dedicated to providing intelligent customized credit solutions since 1989.