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Are you needing and wanting to erase bad credit but not sure how? Well, there are some pretty simple steps you can take to achieve this. There are thousands of people spending millions on services or agencies for credit repair because they think it is too hard to do it themselves. But little did they know, they could have saved that money and cleaned up their credit with little money in a short amount of time. You may be able to do a better job than the agencies because you will have authority to add positive credit over a period of time. There are 3 simple steps that you can do to erase bad credit yourself: 1. Obtain A Copy of Your Credit Report The law entitles you to one free copy of your credit report every twelve months. There are a number of sites on the Internet that will allow you to do this, one from each major credit bureau. Instead of getting all three at once, space them out every 4 months. When you have a copy of your credit report, go over it carefully, writing down any negative item that you need to dispute. You will find that your credit report will have mistakes, false reporting, and out of date information. You will need this information to erase bad credit from the credit companies. 2. Dispute and Challenge Write a letter of dispute regarding the information you have found. Make the letter short and simple, getting right to the point of dispute. Make copies of any proof you have to back up your letter, and attach it to your letter. Once your letter is received, they have 30 days to respond by either verifying the information or removing it from your report. Hopefully they will erase bad credit from your credit report. If there is an item that they have not removed, you can send a follow-up letter asking them how and why they came to their conclusion, this is also called "method of verification". By law, they have to provide proof for their decision, if they can't provide any proof, they have to erase bad credit from your report. 3. Adding Positive Marks On Your Credit This is the step that the credit agencies can't do, and will make a huge difference in repairing your credit. You can erase bad credit by adding positive marks over a period of time. This
Slide 2: is done by getting a gas card, secured credit card, or a card for a department store. You will then make regular, on-time payments, developing a positive and recent credit history.
You have the power to erase bad credit, but you need to be willing to put in the time necessary, and this is where your time literally is money. To erase bad credit is very worthwhile so don't give up in accomplishing this task. It will serve you in the long run for future financial success.Â
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