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How Fast Can Your Credit Be Repaired?

Tired of being turned down for car loans, a mortgage or even cable service? Is bad credit to blame for the constant rejection? If so, it’s time to take the steps necessary to repair your financial reputation.

While it may seem hopeless, a less-than-stellar credit report can be turned around. However, years of bad credit cannot be undone in just a few hours of time, so be prepared to be patient while you work through the steps toward a better financial future.

The first step in repairing your credit is to request a copy of your credit report from each of the three credit reporting agencies: Equifax, Experian and TransUnion. Under guidelines spelled out in the Fair Credit Reporting Act (FCRA), individuals are permitted to obtain, for free, one annual copy of their credit report from each of the three listed agencies above. By going to annualcreditreport.com, you can order a report from each of the agencies. Be wary of other websites and companies which claim to be official sources for obtaining a credit report. The only site authorized by the federal government to dispense the free reports is annualcreditreport.com. Other sites can and will charge you for the credit reports – a fact you may not discover until it’s too late.

Once you have your credit reports, go over them carefully. As with any sort of history which relies on the accurate reporting of outside agencies, mistakes can and do happen. Review to make sure that all accounts in your name were actually opened by you, and that there are no mistakes in reports of failure to pay on any account. Employment and resident history also are included on a credit report, so be sure to check that all employers and places of residence are accurate to ensure that someone else’s information has not been included in your report.

While it may seem redundant to do so, be sure to review each report from all three agencies. National credit reporting agencies may obtain their information from different sources, and therefore may not contain all of the same data.

If you discover a mistake on any of the reports, you should file a dispute with the credit reporting agency. The three credit reporting bureaus all have a dispute process. That process can be accessed online through their websites, or via snail mail with a form that can be obtained by calling the credit reporting bureau. Within 30 days, the individual should receive a response to their complaint about inaccurate information.

In most cases, the credit reporting agency is able to verify the information is incorrect and will remove it from your record. In the event it does not agree that the information is false and refuses to remove it, the consumer should request that a copy of the dispute notice be included with the credit report any time it is accessed by an outside source.

If poor credit is just a fact of life – rather than a data error on someone else’s part – there are steps that can be taken to help earn back the trust of creditors. The best solution is to consult with a consumer credit counseling service, which can help consolidate loans and bills into affordable monthly payments. If creditors see that you are making an effort toward paying down your debt responsibly, they are more likely to extend credit to you in the future.

No Sweat It Credit Announcement Makes Traditional Credit Repair Obsolete

No Sweat It Credit announces, as of April 1, 2018, their customers may have up to five negative accounts permanently removed from their personal credit report. And, this can happen within five business days. No Sweat It Credit, Inc a technology and ...

Published:  Mon, 23 Apr 2018 08:00:00 GMT



Key Credit Repair Launches New Website

The top-rated credit repair service offers solutions for individuals who have negative or incorrect information on their credit history. An unlimited number of disputed items can be removed permanently and completely. Boston MA - April 16, 2018 - Key ...

Published:  Sun, 15 Apr 2018 22:23:00 GMT



The Myth Of Credit Repair

The ads from credit repair companies pop up everywhere-on telephone polls, in newspapers, on TV and radio, in your email and on the internet. You'll see similar claims over and over. But can credit repair companies be trusted Consumer credit ...

Published:  Fri, 13 Apr 2018 17:00:00 GMT



How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

Published:  Tue, 06 Mar 2018 03:43:00 GMT



Experts stress importance of knowing signs of credit repair scheme

SPRINGFIELD, Mass. (WWLP)- If you don't have good credit you may have been approached by a credit repair company at some point.. but if you don't do your research you could become a victim. "People always look for a quick fix, an easy fix and that ...

Published:  Tue, 06 Mar 2018 17:31:00 GMT



Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

Published:  Mon, 30 Oct 2017 21:29:00 GMT



$2-million settlement ends accusations that L.A. credit-repair firms misled consumers

Credit-repair services promise to help consumers fix their credit scores, but there's only so much they can do. They can help clear up inaccurate or outdated information on a consumer's credit report, but they can't erase legitimate dings. But the Consumer ...

Published:  Wed, 28 Jun 2017 04:30:00 GMT



Quality Credit Repair Creates Solutions to Bad Credit

Philadelphia, PA -- (SBWIRE) -- 09/01/2017 -- For over 20 years, Quality Credit Repair has been working to make their customer's credit scores better. They are able to review client's credit report and help them figure out what is causing their credit ...

Published:  Fri, 01 Sep 2017 08:16:00 GMT



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