Debt Consolidation Assistance :: Fast Credit Report Repair
Fast Credit Report Repair:
Repair Your Bad Credit and Fix Your Report
Are you looking for a fast credit report repair solution? Are you just a few points away from a FICO score that could help you obtain that lower interest rate mortgage? If so and you’re looking for a fast credit report repair answer, keep reading for some great tips that can help make that dream a reality.
Get a Handle on Your Credit Report
While there are very few easy and fast credit report repair solutions, they do exist. But, the first step is to obtain a copy of your credit report and score. You can order a copy online or through the mail for free from a major credit reporting agency like Equifax (http://equifax.com) or TransUnion (http://transunion.com). Consumers are allowed to request one free credit report per year.
Contest and Challenge Any Discrepancies
One of the best fast credit report repair solutions is to contest any and all possible discrepancies or negative remarks on your credit report. By law, creditors are required to address and respond to your complaint within 20-25 days. If they fail to do so, or simply don’t bother, the black mark is removed from your credit report.
To contest a derogatory remark on your credit report, simply write a letter to the credit reporting agency including your name, pertinent information and the details of the debt and the supposed error. Your complaint will then be forwarded to the creditor for response. Once deluded with letters or complaints, many creditors don’t have the resources to reply, especially with older debts. So, it’s in your interest to stand up and fight.
Request a Fast Credit Re-evaluation
If you want a fast credit report repair answer, try talking directly to your creditors. Let’s say you have old, derogatory remarks thanks to some late bill payments from a few years ago. But, you’ve been making your bill payments on time for the past year or two and feel your current repayment schedule is a better reflection of your abilities as a debtor.
You can actually call your creditor and ask them to re-evaluate and repost your debtor profile on your credit report. This process may take a few months, but compared to waiting seven years, it’s definitely a fast credit report repair solution.
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