Credit Repair?
Can anyone tell me how I can repair my credit without going through a credit repair service? How long does it usually take for one's credit to be repaired to a decent score? Thanks.
Public Comments
- Someone else will give a more thorough answer, probably. It takes time, no matter what, since your score is based on your history. You should have credit lines open, and they have to be in good standing. If you have debt on the credit lines, make payments on time. It's good to keep plenty of credit free.
- Please visit the Federal Trade Commission Credit Repair information at http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
- you can do it yourself for free and in 30 days I do a don't call me and only communicate by letter, validate the debt, and if you can't validate within 30 days and pursue collections, I'll invoke my right to sue you All in one letter - tailored individually depending on the creditor. creditinfocenter com
- Go to www.creditboards.com. This is a free messageboard. It has the most complete information for someone to DIY. Real people with real problems helping each other.
- Contact each of the credit reporting agencies, get a copy of the credit report, then go over it carefully. You can dispute anything that you disagree with by calling the reporting agencies, which is all a credit repair agency would do anyway. It costs nothing to dispute, and you can dispute as often as you want. If the creditor does not reply back to the dispute within the timeframe allowed by law, the dispute is decided in your favor. You can find more info here: http://www.safelinked.info/jump.php?link=debt
