With soaring US public debt, falling home values and record gas prices, many of us feel like our credit scores have been on a roller coaster with no end in sight. There is hope! The Federal Trades Commission has established hundreds of laws and rulings geared to help protect consumers. Federal law also requires that your credit report be accurate, complete and verifiable, and it0s your right to challenge and remove any information that is not exact and precise. Credit repair is possible with a little effort on your part.
To begin, obtain a copy of your credit report and review each account carefully checking for even the smallest details including spelling errors, outdated or incomplete information and inaccurate account histories. Every credit report is laid out slightly different, so find a company that provides a report that is easy for you to read and file. Next, you need to start a detailed log of all the potential problems with the report, and be sure to include creditor contact information and the nature of the item in question. Make a thorough list of the items in dispute and gather ALL supporting information to help […]

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