Do-It-Yourself Credit Repair

Many of us believe that it is only through an agency that we could have any hope of repairing our credit. Rest assured that this is not true. It could cost you more money and time to arrange through an agency than it would to just do it yourself. My recommendation, before contacting an agency for assistance is to follow the steps below as you may just be surprised at the results.

Repairing your credit takes time, and takes patience. You first need to use our Credit Healing Dispute Letters that you can obtain here www.credithealing.org. You are entitled by Federal Law to a free credit report every year. The United States Government allows us to receive a free credit report from Equifax, Experian, and Trans Union within a 12 month period. You can get them here: www.annualcreditreport.com.

After creating an account, you should see all three credit bureaus listed. You should “check” all three credit bureaus then proceed to the next page. When you get on the website of each credit bureau, you will look for the section that says “Negative Accounts” or “Adverse Accounts” and write down you is the NAME and ACCOUNT NUMBER of each negative account. Note: You will see several periods (….) or several asterisks (****) at the end of each account number. This is for your protection. You will include these symbols with the account numbers as you type them in. Next click on the tab that says “Inquiries” then write down the name and date of each inquiry you see listed. DO THIS FOR ALL THREE CREDIT BUREAUS.

Before you begin disputing your adverse items you will freeze your accounts for each credit bureau. You will have to wait 30 days after putting a freeze on your accounts before you will begin disputing. Find more about putting a freeze on your credit report in my article “How to Freeze Your Accounts”. You can quickly freeze your accounts online using the links below:

Equifax:https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
Experian: https://www.experian.com/freeze/center.html
Trans Union: https://freeze.transunion.com/sf/securityFreeze/landingPage.jsp

Now that you have your credit report go to the dispute letter templates (Example: Letter1_Equifax_2017) for Experian, Equifax, and Trans Union and copy the information from your negative accounts that you retrieved from the websites into the dispute letter templates (as shown in the file I provided called DISPUTE LETTER EXAMPLE). Insert your Social Security Card and Driver’s License at the end of the dispute letter. You can do this by taking a picture of them, sending them to your email then inserting them into the word processor software you are using. Note: Only dispute 22 negative accounts at a time. If you dispute more, the credit bureaus will label your disputes as “frivolous.”

After filling them out, you will take them to get notarized (you can take them to a notary public or your bank). The notary public usually charges $10 per signature (which means you will get them to sign 3 separate documents) but if you do business with a bank that notarizes documents, they will most likely sign them for free. You can call and ask your bank if they notarize documents.

Lastly, you will send them to each Equifax, Experian and Trans Union via Certified Mail (which will be in separate envelopes). The reason for sending them via Certified Mail is, so the credit bureaus know that the letters you sent are important and so you will be able to track them. Now you will wait 30 days from the time they receive the letters for them to respond. If they don’t respond, you will send them the dispute letter “Dispute Follow-up Letter (after 30 days)” that is in the package you purchased. They usually respond within 30 days showing the derogatory items they deleted so you will most likely not have to do that. I suggest you keep 3 separate folders for each of the credit bureaus so you can keep track of the paperwork you send and receive while communicating with the credit bureaus. Don’t wait to begin disputing because the longer you wait, the least likely you will get the positive results you desire.

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