Learn Straightforward Results From Credit Repair
Low credit scores are relatively common at this time and the recession in the economy has just made it worse. You can have a great credit score and miss just one payment and your score can drop as much as 100 points or more. One problem is that many people do not have any idea about how credit scores are measured, how they can drop and how to improve on them.
It is actually a combination of a few things that determine your credit score. Making your payments in a timely manner is crucial of course, but there are other considerations also. The credit bureaus look at the discrepancy between how much credit you have available and how much you have used. If you have maxed out your credit cards or other lines of credit your credit scores will diminish.
When you are reviewing your credit keep in mind that the best credit scores go to the people who use only 30% or less of their accessible credit limits. You can increase your limits or pay down your balance to get below 30% but of course the best thing would be to never go above the 30% mark in the first place. Having accessible credit but not using it is a element of a good credit risk.
Long-term credit is given more weight than short-term credit. If you have an older credit card that you haven't used much, start using it but make sure that you do not go over the 30% rule and of course, be prompt on your payments. It is always wise to carry a zero balance on a credit card if that is possible for you.
Nowadays you can dispute any negative information that is shown on your report. The Federal government enacted the Fair Credit Reporting Act to protect consumers from erroneous credit information. After you file a dispute the bureaus and the creditors must prove the correctness of the information within a specified period of time. If they fail to do so then the information must be deleted from your report.
It is estimated that as many as 40% of all disputes are not verified within the allotted time period of 30 to 45 days. This gives a huge advantage to you as a consumer and you can use this to your advantage as you try to clean up your credit.
As you begin disputing the negative information on your reports make sure that you keep accurate and detailed records. Send all correspondence via certified mail and make sure you have accurate dates. Also make sure you send a separate letter for each dispute.
Even though it may take time, energy and determination to repair your credit it can be done. You have the right to repair your credit and it is worth every effort.
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