How To Restore Your Credit Score

There is hope for your credit score. Do realize that your credit score is your vital sign for your financial health? You will learn how to restore your credit score and the great news is, it is possible to see an increase in your credit score in as little at 30-45 days! Don’t wait. Start right away and get your financial health back on track. Equifax, Experian and TransUnion will tell you that items will have to wait to fall off in 7 – 10 years. Of course that is what they want you to believe. The three bureaus do not want you to dispute any items on you credit. That means they will have to verify the items and they are not paid to verify the items.

Follow these steps on how to restore your credit score. Restoring your credit score is something that you can do. However, most people choose to hire a credit restoration company instead of learning how to restore your credit score yourself. As you will learn why they choose to go that route. The first thing you will want to do is get a copy of your credit reports from Experian, Equifax and TransUnion. You will need to verify that all the information on your credit report is accurate. By accurate that means, correct address, phone number, amounts, or anything pertaining to the item that is on your credit report. The next step is to dispute any inaccurate items on you credit report. There are people out there getting things like bankruptcies, foreclosures, tax liens, and even late payments off their credit by disputing these items.

Disputing means writing letters that state what is incorrect and showing proof of it. You don’t have proof. Don’t stop there. If you don’t have proof you still have the right to dispute the item. Make sure you have all the correct information in the letters. The letters don’t have to be pages long. They just need to be short and to the point of why the item is reported incorrect. When writing the letters you will need to make sure that you have your correct mailing address and social security number attached to it. You can use a copy of your social security card or a tax document to verify your social security number and a copy of a utility bill, credit card statement or bank statement for verification of your mailing address. You need this along with the dispute letters so you are showing the company that it truly is you disputing and not a third-party. Send it with some type of tracking so you know the day that the credit bureaus received it. They have 30 days to respond to the dispute letter. The credit bureaus must state that they deleted, updated or made no change to the items you are disputing.

The great news is you can restore your credit yourself, although there are other options out there. Credit restoration companies are out there to help you. A credit restoration company will know the best strategies in how to restore your credit score the quickest. Yes there are scam companies out there, just like in any other business, so you need to know what to look for. Look for a credit restoration company that has a proven track record, many years of experience, a money back guarantee, and one of the most important is a A+ rating with the BBB. Don’t wait to get your financial future back on track!