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Option 2. Obtain each of the 3 credit
reports through the mail by sending request
letters to each of the 3 CRA's listed below.
(Allow 8-10 business days). Make sure to supply
the necessary personal information to each of
the Credit Reporting Agencys along with
appropriate payment (Approximately $9.00 each).
Prices vary by state.
Note that if you have been denied credit
within the last 60 days or are unemployed and
seeking work, you may be entitled to a free
credit report by mail.
Experian
P.O. Box 2104
Allen, Texas 75013-2104
1-888-397-3742
TransUnion Corporation
Consumer Disclosure Center
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
STEP TWO: Review Each Of The 3
Credit Reports And Dispute Negative
Inaccuracies.
By now you have received
all 3 credit reports either by mail or online.
If you received you reports "Online", you have
the advantage of disputing negative items
online. If you have mailed copies of all 3
credit reports, you will need to handwrite your
disputes to each of the 3 credit reporting
agencies. If you have purchased Speedy Credit
Repair's
"Interactive Credit Repair
Program" you
will be able to copy pre-typed dispute forms
from our
"Password Protected"
pages.
The Fair Credit Reporting Act (FCRA)
provides that if information on your credit
report is not 100% accurate; IT MUST NOT
BE REPORTED! If you have chosen to perform your
own credit repair you will now have about a
14-45 day wait before the results of your
efforts will be Emailed (If disputed online) or
mailed for those who chose the mailed dispute
option. In our experience, the average success
rate has been approximately 45% removal of
negative items. This means that if a person
disputed 10 items on an individual credit
report; it is likely that 4-5 items will have
been removed or corrected. Your success may vary
on either side of the scale.
STEP THREE: Evaluate Your
Progress.
You will receive an updated copy of your
credit report free of charge from each CRA after
their initial investigation has ended. This will
take place between 14-45 days from the time you
or your credit repair service sends out the
first letter of dispute. You must then compare
the 1first copies of each credit report against
the ones you just received online or in the
mail. If you are satisfied with the results of
the above efforts, move on to step four. You may
be satisfied with 1 or 2 of the 3 credit CRA
reports. Repeat step two on items remaining
until your efforts are no longer effective.
STEP FOUR: Repair Ends And
Restoration Begins
You have reached this
point because your credit repair efforts have
given you the maximum desired results. It is
now time to end the repair phase and put your
efforts to the test. Unsecured credit cards are
a good test for your newly found credit
profile. Begin by attempting to apply for an
Unsecured credit card. Click Here for a list of
Secured and
Unsecured Credit Cards.
If you find that you are denied by 2 or more
Unsecured credit card companies, then
either make further attempts at repairing your
credit or Click Here and apply for 1 or 2
Secured credit cards to help build some positive
credit to your profile.
*Speedy Credit Repair hopes you have
found our website useful. Speedy Credit Repair
prides itself on offering the most current
products and information relating to the credit
repair service industry. If you have knowledge
of any service or product which may be useful to
our readers or should you experience a problem,
feel cheated or misled by any of the services
offered through any affiliate link provided in
the contents of this website Speedy Credit
Repair will investigate and remove any affiliate
site which we feel is not performing in the best
interest of our visitors. |
SPEEDY CREDIT
REPAIR