DIY Credit Repair Guide: a future in palms reach

By Kyle Ealey

This Credit Repair Guide is meant to help you avoid the misconceptions of credit. It direct you through the steps and resources to a healthy credit future.

• Language: English
• Publisher: Lulu.com
• Release date: Jan 2, 2022
• ISBN: 9781716047459

Book preview

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This DIY Credit Repair Guide will not only help you to get rid of bad credit myths, but will also help you to understand how credit profile is a vital part of operations in day-to-day life. Use this guide to help you and your loved ones be relieved of the mental burden of having bad credit.

This guide contains tons of sample letters and resources to help you achieve your financial goals, whether they are to buy a home, invest in real estate, or buy a car. I have spent thousands of dollars on credit repair processes over the years, and all the companies use the same methods. This valuable information alone can help you if you lack the time for the DIY approach. To achieve results, you must be willing to put in the work. Faith without works is dead.

TABLE OF CONTENTS

Pulling a Copy of Your Credit Report

Removing All Old Addresses & Phone Numbers

Suppressing Your Information With 3rd Party Data Housing Agencies

Preparing Dispute Letters

Mailing Off Certified Dispute Letters

Keeping Good Records

Remaining Consistent

Checking Updates

Getting CFPD Involved

Leaving Your Legacy             

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Step 1)

Visit annualcreditreport.com to pull a free copy of your credit report from the three reporting agencies: Experian, Transunion, or Equifax. You can receive a free copy of your credit report every 12 months from the date it was accessed. Paid credit monitoring service is needed to track progress and updates: identityiq.com, Experian.com, or credit.com. Do NOT use Credit Karma. The information is not as accurate as the other sites, and they do not report to Experian.

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Step 2)

Take some time to analyze the report. To beginners, this may feel like reading a foreign language, but rest assured, it will become easier. Notice any old addresses or phone numbers no longer associated with you. Call to have those addresses and/or phone numbers removed from your profile. You also want to take note of all open accounts, inquiries, or derogatory marks. You will need to provide proof of your identity. You may fax them directly. Doing this after hours always seems to work best.

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Step 3)

Now it’s time to suppress your information from the third party data holding agencies. These companies correspond with credit reporting agencies (CRAs) to help verify your information. Visit these websites to freeze them from sharing your information. This forces the CRAs to do all the work; they must verify with 100% accuracy the information that is reported. The third-party data holding agencies will send you a correspondence in the mail for identify validation. Simple perform a