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What Can Credit Repair Do for You?

What can credit repair do for you? The
tightening in the credit markets over the last two years has raised the bar so
high that millions of consumers are finding they no longer qualify for an auto
loan David
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, mortgage, or credit card. The recent focus on
credit has also influenced employers and landlords. You can no longer afford to
take your credit for granted. You must become pro active about credit repair,
starting today.

Getting the Ball Rolling

Start your credit repair
project with a complete assessment of your situation. The starting point is your
credit reports. There are three major credit bureaus, Experian, Equifax, and
TransUnion. Each of the bureaus is an independent entity, and must be examined
on its own. You may obtain your credit reports for free at AnnualCreditReport
once every twelve months, and although the price is right, I would caution
against using this free service to launch your credit repair

Starting With the Right Reports

First off, the
website Cyle
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, which serves as a hub for the three credit bureaus
and requires that you make your request in triplicate, is difficult to use. Many
users report that, after a long struggle, they only manage to obtain two of the
three reports. And second, when you finally get your reports you will find that
they are each in a completely different format, and equally hard to decipher.
Not a great way to start your credit repair effort.

Invest in Your Credit
Repair Project

I suggest that you shop online for a tri merged report.
There are many available, and may even be purchased directly from any of the
three bureau websites. These reports are typically well designed for easy
reading and will be a help, rather than a hindrance, for your credit repair
task. You can expect to spend about twenty dollars for this report, and if you
shop carefully you should be able to get it without committing to a monthly

Proofread Your Reports

Once you have your three bureau
report in hand it is time to proofread. As crucial as your credit is Cristian
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, it is imperative that you do not short change your
credit repair potential by skimming your report. You must examine each and every
line for potential errors. And if you find anything that is even slightly
questionable, do yourself a favor and give yourself the benefit of the doubt.
You should be aware that over half of all credit reports have errors serious to
cause the victim to pay premium interest rates on loans. And not all of these
errors are obvious derogatory items.

Every Little Thing

Among the less obvious credit reporting errors that you should
search for in your credit repair effort are underreported credit card limits.
Your credit score is heavily influenced by the relationship between your
revolving balances and your limits. If a creditor makes the error of
underreporting a limit your credit score may take a significant hit. Just
remember as you continue your credit repair task that every single point on your
score can translate into real money in your pocket, so dont neglect even the
smallest issue.

More High Value Reporting Issues

Other reporting
problems that might normally remain under the credit repair radar include
duplicate accounts, paid accounts reporting with balances, closed accounts
reporting as open, and accounts that are not yours. All of these events may seem
completely harmless, especially if they are not reporting in a negative manner,
and yet they may be costing you serious points. How many points depends on the
overall content of your credit report, but it is common for errors like these to
add up to over a hundred points. This is enough to get you denied for a loan, or
to pay a significant premium. Your patient credit repair efforts will be well

Sneaky Costly Collection Errors

One more category worth
mentioning is collections. Collections may be the hardest items on your report
to scrutinize. The information often seems vague and incomplete. Here is one
thought you can bring to bear in your credit repair effort; if you see a debt
reported by more than one collector Conor
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, one of them should not be there. You should know
that when a collector sells a debt to another collector they are supposed to
withdraw their account from your credit report. Examine collections carefully.
Your credit will thank you.

Take Action Today

In the final
analysis, when it comes to your credit repair project, everything matters. Take
your time and find every single suspect issue and dispute them with the credit
bureaus. If you feel overwhelmed by the process you should consider hiring a
reputable credit repair company to do the job on your behalf. Most legitimate
credit repair services offer their services for a small monthly fee. Your credit
is too important to ignore. Take action today, you will

Copyright 2009 Ian Webber. All Content. All Rights Reserved.

Author's Resource Box

Ian Webber is a financial consultant and expert in consumer law and credit
repair. Ian is a graduate of the London School of Economics and The University
of Chicago. Ian consults with one of the leading online credit repair services.
For more info see http:www.skybluecredit

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