Well here it is.......How to get your credit in check Part 1!!!!!!!
Many of you have asked how to start or repair your credit so that you can be financially stable. First step will be to double check your report and make sure what is showing on your report is a reflection of the actual decisions you have made. So don't be fooled by the "freecreditreport" commercials or ads. And go to the only website that gives you your report:
This site will access all three credit bureaus that you need to know about:
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Experian--http://www.experian.com/
Equifax--http://www.equifax.com/
Transunion--http://www.transunion.com/
You are allowed to see your report once a year per bureau. So I recommend that you request a report from one bureau every 4 months. This way you see what each bureau is reporting and what changes are being made throughout the year.
I know you may also want to know what your score is but I do not think that's important when your trying to repair your credit. The score is a direct reflection of what your creditors are reporting to the credit bureaus. So once you fix any disputes the score will self adjust (with time of course).
So you go to the site, you choose the bureau you want to start with, you pull your report, print it.......now review it!!!! Look for errors, if you don't find any good for you!!!! If you find some it's time to get to work.....Are you ready? I hope so, breathe its not the end of the world but it might be the beginning of a battle.
You will need to begin the dispute process through the bureau that is reporting the error so look at the bottom of your report for their contact information. Draft a letter, with your account information and anything the bureau may need to identify you correctly. In the body of the letter state what the error you noted is and provide any information you have to support your issue. If you need some guidance here is a sample letter.
Stay tuned for Part II as I help you get your credit in check!!!!!
B*B*J*B Credit Rep
