Expert Help To Increase My Credit Score
Increase my credit score is the most common request in my mail box . It’s asked more often than a request to learn how to fix my credit, which in my opinion should be higher on the list of urgent needs.
Most people think this is easy , but the truth is if you want to repair bad credit you have to do the work first. You just can’t expect scores to shoot up . There is a definite plan to the manner in which you do this work and it all begins with getting copies of your credit reports. And you have to get the scores . Yes. I know you have to pay more for this and I know it feels like gouging , but without this number, you have no place to begin .
After you get current reports along with scores next is the dispute process and it will involve writing a dispute letter. Can’t write? Don’t know what to say? No problem. There are two other ways to go through a credit report repair if you don’t want to or know how to write and submit a dispute letter.
One way to this is to hire an outside credit repair company . These services are pricey and they offer no guarantees and they will do exactly what you can do for yourself. They will ask you for the information and then they will help you to create a reason why the account has to be investigated and in their computer is a standard dispute letter. To this they will modify it with your information, print and ask you to sign. When you watch this happen you will question how a letter like this costs so much money.
The other way to better credit scores is with really sophisticated online service to help you analyze your credit report . AVAIL Credit Coach is the best on the market and for a fraction of what credit repair services cost, you can have dispute letters written for you. All you do is sign and mail.
Whoever writes the letter make sure you send it certified mail with a return receipt. You want proof of when the letter was received and you want to know that it arrived . The date is critical as it begins the 30 day mandatory period a credit reporting agency has to complete their investigation.
What goes with your dispute letter? You must send proof of identity. This should include copies of a drivers license or Identification Card, A utility bill with your name and address listed on it somewhere and a copy of your social security card.
Send everything at once. No scraps of information every other day because this stops the 30 day process and you are giving them all the time in the world to complete a 30 day task. You really don’t want to make it easy on them.
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