Getting Started - Credit Repair
No matter what your situation we would
like to make sure you are in the right frame of mind to start your
credit repair journey. Let's examine a few critical things about this journey
that we have gathered over the past few years. Once you have
reviewed these please move on to the DIY page
to get started... really!
Vital Points of Reflection:
- Always try to be civil. Remember you are dealing with humans (the employees of the bureaus) that are having their own problems. Be kind and tactful. Make your letters reflect a personal tone of concern and importance. Save the anger and threatening attitude for a last resort.
- Always use your own handwriting in the letters. Computer generated material seems to get less of a response. You want to appear sincere and thoughtful. Writing out your letters on a legal pad adds that personal touch.
- Wait at least 60 days to re-dispute an item. This allows time to pass and the bureaus are less likely claim you are frivolous.
- If your situation involves legal issues. CreditMania recommends you seek legal assistance. There are just some circumstances that require the use of attorneys. If you are not able to hire a lawyer, please be willing to contact a legal referral service and explain your situation to them. There are many legal professionals offering free or sliding-scale fee services, if you ask.
- Overcome your fears of dealing with past creditors, debt collectors, and the credit bureaus. Take a deep breath and accept where you are now. Begin to take control of your life and confront these folks without fear and guilt. You are now starting a new and you should feel confident and empowered. Our fear of the phone leads to defeat. Make the calls that need to be made. Answer the calls that need answered. Be in charge!.
What's needed:
Writing Tools: This is a great topic in the credit rebuilding and restoration world. We like to use pen and paper to write our letters. However in this day and age there are probably little advantages of this method. So please use your computer and word processor to complete the task.
A Level of Organization: While some of this activity seems logical it can really become cumbersome. To that end please plan on keep keen track of your activity and log all dates and correspondences. It is vital to your success!
Next Step:
