Credit Fix      Not Just for Those with Bad Credit.Reviewing your report at least every six months or more often will keep...
Credit Fix          1. Order a Copy of Your Reportshttp://www.transunion.com http://www.experian.com   http://www.equifax....
Credit Fix2. Review All Information Carefully                 • Your full name (and aliases)                 • Social secu...
Credit Fix2. cont. Other Things That Need Review           • Incorrect account histories, such as late payments           ...
Credit Fix   3. Write a Dispute LetterOnce you are done reviewing your credit report,Write a letter to the bureaus or cred...
Credit FixWhat the Law Requires     Your dispute must be investigated within 30     days. Upon completion of the investiga...
Credit FixBureaus Don’t Always Cooperate or Listen                      • Stall Letters                      • Claim Item ...
Credit Fix Don’t Give Up!Maybe Hire a Pro?
Credit Fix: Not Just for Those with Bad Credit
Credit Fix: Not Just for Those with Bad Credit
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Credit Fix: Not Just for Those with Bad Credit

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http://www.LegacyLegal.com Your credit doesn’t necessarily have to be bad in order to need a credit fix. Even if your credit is good, chances are there is something on your report that would benefit from a credit fix. A credit fix will only enhance your credit score, enabling you to apply for credit and loans with the best rates and terms.

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  • Credit Fix – everyone should consider it. Your credit doesn’t necessarily have to be bad to fix your credit. Even if your credit is good, chances are there is something on your report where you would benefit from a credit fix. A credit fix will only enhance your credit score, enabling you to apply for credit and loans with the best rates and terms.
  • Credit Fix: Step 1: Order a copy of your credit report from each of the three bureaus (each bureau reports different information). You can order each individually or order a three-in-one.
  • Credit Fix: Step 2: Review all of the information in your credit report carefully. Make sure the following items are accurate: Your full name (and any previous names), Social security number, Public records – lawsuits, liens, judgments, bankruptcies, etc. , Credit history, Current and previous address, Employment history, Current and past marital status
  • Examples of things that may need a credit fix: Incorrect account histories, such as late payments you have paid on time, Accounts you know you never opened, Lawsuits you were not involved in, Liens you never had, Liens that appear that were supposed to be listed as “included in bankruptcy” Bankruptcies that are more than 10 years old, Negative information that is more than 7 years old, Credit inquiries that are more than 2 years old, No notation when you have disputed an account, Closed accounts incorrectly listed as open
  • Credit Fix: Step 3 Once you are done reviewing your credit report, Write a letter to the bureaus or creditors telling them what information is inaccurate. Explain why you are disputing the item and request that it be corrected or removed.
  • Credit Fix : What the Law Requires: Your dispute must be investigated within 30 days. Upon completion of the investigation, the bureau must provide you with written copies of the results. If your dispute results in a change, the bureaus must also provide a free copy of your report that shows the credit fix. Once an item is corrected or deleted, it cannot be placed back on your report unless it is later proven valid and accurate.
  • The credit fix protocol seems simple, however; the bureaus can be uncooperative by using a number of stall tactics intended to intimidate and frustrate you. There are many ways to combat these tactics. Learning them, however, can be daunting and time consuming. It is common, very common for a credit bureau to claim an item was “verified” when it was not, and to stall your efforts by claiming it was. If it’s not exactly accurate, dispute it and stick to it until it’s resolved. You may consider letting those who are well seasoned in the credit repair industry do a credit fix for you and in much less time.
  • You may consider letting those who are well seasoned in the credit repair industry do a credit fix for you and in much less time.
  • Thank you.
  • Credit Fix: Not Just for Those with Bad Credit

    1. 1. Credit Fix Not Just for Those with Bad Credit.Reviewing your report at least every six months or more often will keep youaware of changes that can hurt or help your credit rating and score.
    2. 2. Credit Fix 1. Order a Copy of Your Reportshttp://www.transunion.com http://www.experian.com http://www.equifax.com
    3. 3. Credit Fix2. Review All Information Carefully • Your full name (and aliases) • Social security number • Public records – lawsuits, liens, judgments, bankruptcies, etc • Credit history • Current and previous address • Employment history • Current and past marital status
    4. 4. Credit Fix2. cont. Other Things That Need Review • Incorrect account histories, such as late payments you have paid on time • Accounts you know you never opened • Lawsuits you were not involved in • Liens you never had • Liens that appear that were supposed to be listed as “included in bankruptcy” • Bankruptcies that are more than 10 years old • Negative information that is more than 7 years old • Credit inquiries that are more than 2 years old • No notation when you have disputed an account • Closed accounts incorrectly listed as open
    5. 5. Credit Fix 3. Write a Dispute LetterOnce you are done reviewing your credit report,Write a letter to the bureaus or creditors tellingthem what information is inaccurate. Explain whyyou are disputing the item and request that it becorrected or removed.
    6. 6. Credit FixWhat the Law Requires Your dispute must be investigated within 30 days. Upon completion of the investigation, the bureau must provide you with written copies of the results. If your dispute results in a change, the bureaus must also provide a free copy of your report that shows the credit fix. Once an item is corrected or deleted, it cannot be placed back on your report unless it is later proven valid and accurate.
    7. 7. Credit FixBureaus Don’t Always Cooperate or Listen • Stall Letters • Claim Item was Verified • Don’t Respond at All
    8. 8. Credit Fix Don’t Give Up!Maybe Hire a Pro?
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