Credit Repair Steps

Here are steps you can take to have damaging entries removed from your credit report:

• Make a list of inaccurate or untrue entries that you find in your credit report.
• Call the credit bureau and tell the appropriate person that you want to dispute an entry you have noted on your credit report.
• Don’t allow any credit bureau employee to talk you out of proceeding with your appeal. To avoid a distracting confrontation, don’t even tell them you want to challenge. They won’t initiate any action on your behalf anyway until they receive your appeal request in writing.
• To initiate the proper appeal procedure, ask the person you speak with to send you a “Dispute Form.”
• Complete the “Dispute Form” and return it to the credit bureau by certified mail.
• When the credit bureau receives your written dispute request they will then attempt to verify the dispute you have indicated with the bank, lender, or creditor responsible for having the damaging information listed.
• You will be notified of their decision within 30-45 days

Credit Repair Info

Credit Repair After Bankruptcy

You've asked yourself the question many times, "Will I ever get credit again?" The answer, although seemingly complex, is quite simple: Yes. You can have another chance at re-establishing your credit. Filing bankruptcy is the first intelligent step taken to wiping out accrued debts. The next step you'll have to take is to repair your credit report. In order to do this, you'll need to develop great patience while you're re-establishing your credit, as these things do take time.
Two or three years after you've filed bankruptcy, you'll want to start rebuilding good credit. How, you ask? Apply for secured credit cards. Preferably cards without annual fees attached to them. Do your research on the internet to see what others have done in similar situations. If you come across an offer which looks to good to be true, it most likely is. Use discretion when giving out Social Security numbers and personal information online.
Start small. Don't expect anyone to hand you a $10,000 credit limit overnight. It's not going to happen. Make monthly payments in the full amount. Your payment transactions will determine how successful your new credit report will be. If you're late with payments you're heading in the wrong direction. You don't want to end up on the road to bankruptcy again, do you? Of course not.