Quickest Method To Repair Bad Credit Fast!

I was surprised when I applied for a loan recently and found out my score was to low. The lender told me I needed to raise my score 60 points to qualify. I quickly did some research and this is how I was able to raise my score 110 points in less than 60 days.

Statistics show 52% of consumers don’t know what factors into there credit report. 90% don’t know what’s in there report and 75% of credit reports have some type of error.

If you want to repair your bad credit fast it should take less than 60 days. Before you apply for a loan I recommend checking your score.

The first thing a lender will do is pull your credit report. They can get them the same day. The best part about this is that even if your score is only temporarily increased it will have served it’s purpose.

First go to annualcreditreport.com This is a totaly free service with no obligations. Unlike the advertised sites, such as freecreditreports.com, annualcreditreport.com is not a membership site that will bill you if you don’t cancel. This site allows you to see your credit report once a year for free.

Because time is important you should select to view it online. We now need to find items to dispute. All late payments should be disputed, especially medical bills. Hospitals, doctors and related industries use medical billing services. These companies do not usually respond in time if at all to disputes about credit reports.

My objective was to dispute all late payments. The burden of proof is on the creditor to confirm there information. Most of time they will not do it in time or at all. Either way will accomplish our goal.

Now we must write to the credit bureaus and tell them which items we want to dispute and why. There are some things you need to be aware of that I will go into later. They will have 30 days to investigate. They will request information from each creditor to confirm the late payments. If there is no response in the alloted time then they must remove the items.

The consumer credit reporting act states that the credit bureaus must give you a copy of your report after they have made any changes per your request.

The process to repair bad credit fast is not a hard one. I was able to lift my score 110 points in less then 2 months. For an easy to follow guide to improved credit go to repairbadcreditfast.info