Credit Repair - Free
You can repair your own credit. You can become your own credit repair expert. You don’t need to hire a company. Anything a credit repair company can do legally, you can do at little or no cost. You can even dispute inaccurate information. Ask your Credit Union or Bank to order you a Credit Report. Make a list of items that are marked Charge Off & Collection Mark the DLA (Date Last Action) on your list. Tell the Credit Reporting Company, in writing, what information you think is inaccurate. Include copies of documents that support your position.
Include your name and address. Your letter should include each item that you dispute. Include a copy of your Credit Report with the item circled. Send your letter by Certified Mail with a Returned Receipt Requested. Credit reporting companies must investigate the items that you question within 30 days. Items with a DLA date of 7 years will be automatically erased. Contact creditors and collection agencies. Offer to settle charged off or collection accounts. A Credit Reporting Company can report negative information for 7 years and bankruptcies for 10 years.
For free annual credit reports send:
Name, address, Social Security # & DOB in a #10 envelope to:
ANNUAL CREDIT REPAIR REQUEST SERVICE
PO BOX 105281
ATLANTA, GA 30348 5281
For more info visit www.consumer.ftc.gov
Other XyzPost Services
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