Credit Repair for Free
The “free credit repair” services may appeal to you if your credit is not perfect or you have a low score (under720). It is possible to do this yourself and it is free.
Who Does Credit Repair Need?
Your credit score is crucial in determining the interest rate if you ever plan to take out a loan. Credit scores below 750 should not be ignored.
Credit Repair by Self
First, get your credit report. If you are denied any service due to your credit rating, you have the right to a free copy of your credit report. You can find the name and contact number of the credit reporting organization on the letter you get denying credit. You also have the right to one free report per year. Equifax and TransUnion are three of the consumer reporting companies. These companies can all be found online.
You can also dispute incorrect or out-of date entries. Two letters should be sent to the reporting agency and to the company responsible for the dispute. They should include your name and address as well as any facts and explanations. A copy of your credit card report and any supporting documents must also be included.
Third, make sure you keep your balances low and pay off your credit cards.
Sincerely,