Credit repair is something that is on a lot of peoples minds these days. And it is a very important topic, since there are thousands and thousands of Amercians getting their homes foreclosed on. I have found an article that I thought you all might like.

There are some things on your credit repair that cannot be repaired, for these things it just takes time. If you have had a bankruptcy then expect it to be on your credit for up to ten years. Unpaid bills can be on your credit for up to seven years or until the statue of limitations runs out. There is no limit on how long a criminal conviction, an application for a job that pays more than 75,000 a year or an application for more than 150,000 worth of credit can stay on your credit history.

Credit repair for inaccurate items listed on your credit history is not as hard as you might think. The first step is letting the credit agencies know what information you think is inaccurate.

There are several things you will need to include to give the credit agency enough information to work with. First include copies, not originals , of any documents that might help prove that the information is inaccurate. The letter to the credit agency should include your full name and address, clearly identify the items in dispute, state the facts and why you dispute the information, and a request that it be removed or corrected.

The credit agency must then investigate the information , usually within 30 days, and then report all relevant data back to you. In order for this to happen you must move on to the next step. You must inform the creditor in writing that you are disputing an item. Be sure to include copies , not originals, of any information that supports your claim. Also make sure that the creditor doesn’t use a specific address just for disputes. Sending the information to the wrong address can cause a delay in the process or cause it to be ignored.

If all is done correctly then the creditor will investigate the dispute and report back to the credit agency. The next step is waiting for the credit agency to decide wether the information is accurate or inaccurate. When the investigation is complete the credit agency must give you the results in writing and a free credit report if the investigation results in a change. You can also ask the credit agency to provide a copy of the new report to anyone who has requested your credit in the last six months.

Credit repair is time consuming but can be done. Why pay a credit repair agency to do what can be done yourself.

I want to thank the author GuyRay for this great bit of information.

You know you are, but did you know that you can have a clean credit report in just as little as 3 months? Thats right it is possible and you don’t have to hire an expensive attorney to do it for you. Just following some simple directions and a few steps you can have your credit report squeaky clean in less than 3 months. Giving you the freedom you deserve, freedom from collection calls, threatening phone calls the risk of loosing your home or your new car. Best of all you do not have to lug a ton of papers to the credit counselor or pay out thousands to file bankruptcy. It can all be done right at home on your kitchen table. Just follow the link below to learn how to take hold of your credit situation.

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Did you know that you can repair your credit at home without filing bankruptcy or paying a small fortune for credit counselours. There are 1000’s of resources on the web that will help you with your credit repair task. To save you time and trouble I have put together a collection of the best of the best when it comes to helping you repair your own bad credit. Now what makes me qualified to choose these resources? Simple I have had some serious credit troubles in the past. I have had 2 automobile reposessions, lost my home and I got phone calls all day from collection companies wanting to know when I was goin to pay up.

So I went on a personal journey as I did not want to file bankruptcy and well credit counselors just werent going to work as they all want a percent of what you owe, and well I was broke. I got online one day and decided to see if I could fix my credit myself. Well I fell victim to some shoddy deals. Basically I got ripped off. well I started doing more and more research and I have found what to look for when getting help repairing my bad credit. The first day I started fixing my credit I found 3 discrepancy’s in my report this automatically helped my credit score big time. In my search I found some great resources that helped me get my credit score back up. I got my life back I now have a new home, and drive a new car. I can go to my bank anytime and borrow money. Restoring my credit report has helped be more productive in society not to mention finding a job.

First thing I am going to do for you is help you get your free credit report. Don’t worry this is not a pay for your credit report free credit report. You actually get a free credit report from the major credit bureaus . It was passed into law about 2 years ago that you are entitled to get your free credit report once a year. Just click the link below to take the first step in fixing your broken credit report

Get your free credit report