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5 Stress Free Steps to Repair Your Credit Report


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The thought of the process that is required to repair your credit report is overwhelming for most people. There is a lot of information available about the subject. Some of it is good while other tips can get you into a bigger mess. It is best to get professional services from a specialist rather than trying to repair your report yourself. It will be less stressful and you are likely to get better results.

Here are the five simple steps that will help you to raise your score and ultimately to improve your credibility without all the anxiety.

Step One: Order your free reports

Annually, you can get free reports from each of the three major credit bureaus. Also, if your application was denied because of your report, you should receive an adverse notice from the creditor which entitles you to a free report from the agency that provided your report for review.

To order all three reports online, you can go to You are entitled to one free report from each agency every year.

Step Two: Identify discrepancies

Identify discrepancies in your report. Don't spend a lot of time on this, because your counselor will review the whole document. Just mark things that you know should not be there.

Step Three: Provide your reports to a legitimate counselor for a free consultation

Counselors that specialize in repair should offer a free consultation. They will want to review the reports to see if it is possible for them to repair your credit report for you.

Step Four: Contract for services

If you are comfortable with the terms and warranty offered by the counselor, contract for repair services. Make sure that a warranty is offered and written into the contract.

Step Five: Communicate with your counselor

Your counselor will tell you exactly what they are doing. This may include negotiating with collection agencies to work out settlements and filing disputes with the bureaus. If an agreement is made to settle accounts, you will have to comply with the agreement. If disputes are filed, you will receive updates of the status of the disputes from the bureaus. You will need to promptly provide such reports to your counselor.

Laurence H. Michelson is the President of FiCODOC and a financial credit consultant. He is also the author of “Getting the White Picket Fence Without a Man. " For more information please visit his web site or call 1-877-899-2565

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