Can I Fix My Credit?
Is it really possible to fix your own credit history? The answer is yes. Sometimes, it is not necessary to get help from credit repair companies to improve your personal credit. There are some steps that you can do on your own to regain good credit. In this article, we present free credit repair tips for you:
Watch out bad credit repairscams. Some people with bad credit problems could seek out the wrong kind of help. IF you’re not careful, you could find yourself dealing with scammers who are out to take advantage of your situation.
You need to know the tactics that scammers use to victimize unsuspecting consumers. More importantly, you need to know how to spot a legitimate credit repair companyfrom a fake one. You can check out the FTC’s website for some information on choosing the right credit repair company.
Know your consumer rights. Consumers have the right to dispute wrong information in their credit report. To see whether your personal credit report contains correct information, order a copy from each of the three major credit bureaus (TransUnion, Equifax, Experian). If you find any item that needs correction, send a letter of dispute to the bureau that issued your report. An investigation regarding your complaint can take up to 30 days to complete. After that period, the bureau must inform you about the result of the investigation.
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