After you have found yourself in a situation similar to one that got you into trouble with credit, it is an essential step to take to repair credit score problems. The one thing you have to remember to get your self back on track is to do everything you can to start making your payments on time. You may need to go back to your old ways, but there are also credit repair options for you to choose from. Your best bet would be to look at your options before you seek out a credit repair professional to help you.
One of the first options you have is to start working to repair your credit by getting a free copy of your report from the major credit reporting agencies. These reports will show you everything that you need to know about your credit and will help you build a picture of what needs to be repaired. You can get them by visiting the three main agencies: Equifax, Experian, and TransUnion.
You have the right to get one free copy of your report per year from each of these agencies, and most of us have all gotten a free copy at least once in the last year. When you get these reports, go through them with a fine tooth comb for any inaccuracies. If you do find several things, some of them may be inaccurate, be sure to report it. This is not something you have to prove or anything to write on the report, just report it. It is your right to investigate all reports you are concerned with and if you have proof that it is inaccurate, file it down to the agency for investigation. They will contact the agency so that they can look into it and will correct it.
If you find something in the report that is not accurate. Or if you have concerns that something is not right. Do not hesitate to contact the creditor or agency to make sure that the mistake has been fixed. And shown to be part of the report. Even though you do have the right to report something to the credit bureau. You do have the responsibility to make sure it is accurate. If it is not you are protected under the Fair Credit Reporting Act.
And if it is as claimed into inaccuracies, you have every right to dispute it. And put your claims in writing to the credit bureau. When you do this, they can require the creditor to back up what you are saying with proof. Which they must do within thirty days of your request. When this is complete, the report from the agency will be updated and the problem will be fixed. Credit bureaus keep your information accurate and correct it if it is not. But they can only make that statement if the information is accurate.
There are legal credit repair agencies and lawyers that help individuals repair bad credit. If you do want help with repairing your credit a company. Or lawyer should be chosen by law to represent you. They should know the laws concerning credit statute of limitations, consumer rights, and fair credit reporting. They will be able to contact the three credit bureaus and help you to repair. Your credit and to help you to get it back to where it should be.
If you are concerned about repairing your own credit, then you do have some options. But you should make sure to know your rights and what laws or regulations you are protected by.