Скачать или смотреть 3 Easy Steps to Fix Bad Credit. I have used these methods to go from under 550 to 700+ FICO score!

In this video I will detail how I have been able to get my credit from below 550 to over 700. I feel you can use these same strategies to greatly improve your credit score as well!

This is NOT a "fix your credit easy and fast" video!

Get your free credit report at www.annualcreditreport.com

I have personally used these methods, so I am speaking to what I have experience with. It is a multifaceted approach and it will take time but I am almost certain you will see results. You got this!

I am providing this template if you decide you want to object to derogatory credit items yourself.

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[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

To Whom It May Concern [ Experian, TransUnion or Equifax goes Here ]

I am writing to dispute the following information in my credit report:

[Creditor Name and Account Number]

The information regarding this account is inaccurate, and I am requesting that it be removed from my credit report.

[ Explain why the information is inaccurate - for example, you may dispute the balance, the date of last activity, or the fact that you ever had an account with this creditor. ]

I have attached copies of documents supporting my dispute. Please investigate this matter and remove the disputed item from my credit report if you find it to be inaccurate.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name]

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Now here are the address of the 3 major credit bureaus which you can mail your disputes to. I have also included web links and phone numbers to dispute derogatory credit items.

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Equifax Disputes

https://www.equifax.com/personal/cred...

By Phone: 866.349.5191

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

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TransUnion Disputes

https://www.transunion.com/credit-dis...

By Phone: 800.916.8800

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016-2000

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Experian Disputes

https://www.experian.com/blogs/ask-ex...

By Phone: 800.916.8800

Experian Dispute Department
P.O. Box 4500
Allen, TX 75013

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If you have several bad or derogatory items on your credit you may decide it easier to hire a company to dispute on your behalf. I have used www.creditrepair.com personally so they are the only one that I can speak to as they have gotten me results.

I will add a caveat here. If after a few months you are not getting a return on your investment from a monthly credit restoration service such as creditrepair.com, simply unsubscribe from their service and continue using your secured credit cards to build new and improved credit.

Also, I would recommend paying off smaller items if possible.

ALSO GET THE AGREEMENT IN WRITING!

I would advise not providing Bank Routing and Account Information regardless of pressure from a creditor. Once they have this information they can essentially debit your account whenever they want.

I would suggest getting a Prepaid Visa or Mastercard and load up the amount of the debt. For example if you owe a creditor $500 simply load the Prepaid card for this amount only. There should be no issue for the collection agency accepting a Prepaid Credit Card if they accept debit payments! It's not 1965 so they should!

Secondly, regarding Secured Credit Cards.....

I would recommend using some of the larger banks such as Fifth Third, TD Bank, Bank of America, etc. They should all have secured credit cards where you put a deposit down and draw against the deposit as your new credit line.

Also, Discover and Capital One have some secured Credit Card options as well. As I say in this video, just be very careful in paying off balances at the end of the month. You can often get cash rewards for purchases your making anyways such as gasoline and groceries.

Another great part of the secured card is that if you make payments faithfully (on time), and keep your balance low on a continuous basis, the Bank or Credit Card Issuer will often give you the initial deposit back after a period of several months to a year, etc.

Just don't get more Secured Credit Cards than you can afford and meet your monthly obligations first. This is the most important thing!

I hope this was helpful!!
Leave a comment if you have any further questions.

James Solomon