In these difficult economic times there are many people who want to know how to fix their credit report. If you are one of these people and want to learn some good credit repair techniques then read this article to discover what you can do to raise your credit score.
In this article we will discuss some credit repair techniques you can use to fix your credit report. We will examine timely bill payments, disputing errors on your report, keeping old credit cards open and why it is unnecessary to use a credit repair company.
The first thing that you can do is to make sure that you pay all of your bills on time. Timely bill payments will ensure that there are no bad entries on your credit report which say that you are not good at paying your bills. This applies to household utility bills and credit card bills, as well as any loans which are outstanding.
Get a of your credit report from the credit bureaus and validate all of the entries made on it. If any of the entries are incorrect then dispute them. If the credit bureaus are unable to prove that these entries are legitimate within 30 days, then they are obliged to remove them from your report.
Keep any old credit cards open, even if you do not use them any more and there is no longer any outstanding balance to pay on them. This will ensure that you have an established financial history and have lines of credit open to you which you do not currently need to use. This will impact positively upon your credit score.
Credit repair companies can achieve no more than you can by using these credit repair techniques. If there is an entry in your credit report which is legitimate then these credit repair companies have no way to remove such an entry any more than you do. Therefore, by using their services you would really just be wasting money which you cannot afford to spend.
So there you have it, if you want to fix your credit report, then by using these credit repair techniques you should find that you have some success. Just make sure that you pay all the bills on time, dispute any errors with your credit report, keep open any old credit cards that you have and remember that you do not need to pay a credit repair company to help you. You can fix your report yourself.
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