| By :
Ian Webber
Great Credit Can Be Easy It is not that hard to build a great credit report and excellent scores. If you have had credit problems in the past, great credit may seem a distant prospect, but with a little effort you can see encouraging results within 30 days. And given 6 months you should be thrilled with the outcome. Once you have taken the first step you will find yourself on a happy and easy path. Taking the First Step The first step on the credit repair path to great credit is getting your credit reports. The report you choose will color the experience you have. The free credit reports that you can get per government mandate once each year are poorly designed and hard to read. Eliminate frustration by choosing a nice tri-merged report. You will need to spend 15 or 20 dollars, but it will make the entire job so very pleasant. Track Down Every Error Once you have your nice tri-merged report it is time to read it. I suggest having a highlighter in hand. Keep a sharp eye out for every single bit of information that looks odd. Derogatory data is not the only credit repair target. There are many types of reporting error that can depress your scores considerably. Take the time, find everything, and get ready to dispute. The Art of the Dispute Disputing errors with the credit bureaus is an art. For credit repair success you must keep your communication simple and to the point. Just make a statement of fact and leave it at that. Do not confuse the issue with a long story. It is also crucial to address each of the bureaus individually using the exact identifying information that they use on the credit report. Do Not Be Shy It may happen that you do not get the results you want from the first credit repair dispute letter you send. Do not let that disturb you. Patience makes perfect, and is especially important when dealing with the credit bureaus. If a dispute is rejected, send the request again as needed. Tell them that you are not satisfied with the research they have done and demand more. Do not be shy. Active Positive Credit is Key Aside from cleaning up the errors that can hurt your scores, it is important to rebuild the content of your reports by opening new accounts. For those with lower scores, I suggest secured credit cards as the perfect and easy way to rebuild. Open two cards as soon as possible, and when they arrive use them. Keep your new accounts active, but keep the balances low. And of course, make those payments on time. The importance of open active credit cannot be emphasized enough. Consider Consulting a Professional You may also consider hiring the services of a good credit repair company. Professional help is inexpensive and typically entails a small monthly fee, usually in the 50 dollar range. Your monthly fee will cover management of the entire ongoing dispute process, and should include specific advice tailored to your situation and designed to leverage every score optimization opportunity available. If you are not a do-it-yourselfer, credit repair services are a great investment. Copyright © 2010 Ian Webber. All Content. All Rights Reserved.
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