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how to repair your credit

Today's headlines can be depressing, particularly if you're having money problems. From the decline in the value of your home to the tightening of the credit market, the bad news can seem to be to much to deal with. It's at times like these that the slick operators and "scam-sites" crawl out from their hiding places like cockroaches.

There is any number of credit repair and debt consolidation scam artist that would like you to believe that you can't improve your bad credit without their help. Don't believe them. Particularly be wary of companies that want you to pay for credit repair before they provide any services, or if they suggest that you create a "new" credit identity. Some of these approaches can get you into deeper financial (and maybe even legal) trouble.

There are many, common sense steps you take yourself to repair most of your credit problems. Many will require discipline on your part, and some might be downright painful, but you can get your financial affairs back in order.

Credit card debt is one of the easiest debts to fall into because it's the easiest way to get credit. You'd be surprised how many people think of paying off their credit cards in terms of making the minimum payment each month. Are you one of them? That approach just keeps digging the debt hole deeper. You have to make progress in paying off the balance of your credit card debt before you can gain control again. This will mean developing a payment plan you can live with, and calling your bank or lender to get their buy-in.

How do you keep your credit card balance from creeping up again? How about putting away the plastic, and paying with cash. I know, easier said than done. If just cutting down on restaurant meals doesn't free up enough cash, that's when it starts getting painful. You might have to make drastic changes to your life in order to reach the goal of repairing your bad credit. Could you drive a used car instead of a new one? Sure. Could you take public transportation instead of owning a car? Let the pain begin.

Once you are able to make meaningful (and on-time) payments on all your monthly debt, you can turn your attention to your credit report with the goal of fixing your credit score. Request copies of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion). Look for the negative information in your report. Some may be valid, but focus on inaccurate data. Maybe one of your creditors is reporting you have an outstanding, overdue balance, but you can prove that you have paid off that loan. Contact the credit bureau in writing, specifying the information you think is inaccurate. Include copies of documents that will prove your point, and request that the negative information be removed or corrected. Also contact the lender that originally provided the inaccurate, negative information. Request, in writing, that their records be corrected, and include the written proof of your point.

These are just a few of the steps you can take yourself to fix your bad credit. At the end of the process, you'll have your finances under control. And you didn't have to pay a credit repair scam artist to help.

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How To Handle Rejected Credit Disputes

Your goal is to raise your credit score so you can enjoy lower interest loans, lower insurance premiums, a more affordable mortgage, and all the other benefits of good credit. You have already gotten copies of your credit report, and identified the negative items that are bringing down your credit rating. You have submitted forms to the credit reporting bureaus, disputing the negative information that they have been distributing in your credit report. And now, you have just gotten back rejections of your credit disputes. What should you do next? That is the focus of this article.

Don't be surprised that it isn't easy to erase the bad news from your credit report. It seems that they make it hard, on purpose. But with a little perseverance, you can be successful.

First, check the dispute letters that you had originally submitted. Were you concise and accurate in stating your case? The credit bureaus and lenders get a ton of dispute letters every week. In order to make sure your letter is actually read and understood, keep it short and to the point. Do not include details that will only confuse the situation.

Don't try to impress or scare them by quoting the law. You may be tempted to include legal wording in your dispute letters, particularly if you feel that they have violated the law. But a personal letter will be much more effective. Maybe an exceptional circumstance, like an illness or divorce, forced you to default on your debt - tell them that.

Did you include documentation with your letter? Always include anything that backs up your case. Do you have cancelled checks or bank statements that prove you made a disputed payment? Of course, never send the originals - make copies of all your documentation.

If your dispute letter was rejected by the credit bureau, be sure to correspond with the lender or organization that reported the negative item to the bureau. If you've ever contested a charge on your charge card, you know how they play this game. You ask the credit card company to delete a charge you think is wrong. The credit card company says they will suspend the charge while they investigate. They check with the merchant who recorded the charge, and - surprise! - the merchant says the charge was valid, and the credit card company re-instates it on your bill. Thanks for nothing. Well, you'll probably get a similar run-around when you contest items on your credit report. Try a different angles in your follow-up letter. You should try dealing with a different department in the lender organization to see if they are more sympathetic to your cause.

Persistence will pay off. If you deal with the credit bureaus and financial institutions in a professional, but firm way, you are more likely to be successful in your dispute. Remember, that although your dispute is with an organization, a person will be reading your letters. If you connect with them in a personal way, they are more likely to understand your position.

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What To Do If You Are A Victim Of Identify Theft

You were living a comfortable life. All your monthly bills were paid on time. You just bought a second home on the water. Then it hit. Your most recent credit card bill contained thousands of dollars of charges you don't remember making. You ask your wife, "Did you buy a new HDTV last month to surprise me?" No, it wasn't your wife, it was a criminal who hijacked your credit. You were just the latest victim of identify theft.

In almost half of the cases of identity theft, consumers are the ones who detect the breach. In nearly 40% of cases the criminal was someone who was in close contact with the victim; a friend, relative, neighbor, coworker, in-home employee, waiter/waitress or financial institution employee. In the end, nearly one third of all identity theft cases come from a stolen wallet or purse, checkbook or credit card. The thief might have gotten your personal financial information by stealing your mail or by dumpster diving. Now, you have to clean up this mess.

First, don't panic. Your emotional response will be similar to that of victims of violent crime. Your heart will be racing, you'll feel violated, but just remember--you are not liable for these bogus charges.

Immediately call the financial institution whose bill contained the bad charges. In most cases you need to notify the company (the bank or credit card issuer) with 30 days to be legally protected. Tell them that you believe you are a victim of identity theft, and want the fraudulent charges removed from your bill. You may have to close the account and open a new one to ensure the bad charges stop.

Stay organized. It is crucial that you keep a log of all your phone calls, including who you spoke to and what they said. Keep a file with all the written correspondence you send, and the responses you receive. All mail should be sent "certified, return receipt requested" so you can verify it got there. All this information will serve to strengthen your case.

Ask your financial institution to add a password to your account. That will keep the next ID thief from changing the billing address on your account (only you will know the password). Whenever possible, speak with the fraud investigation department, and not just customer service or bank managers. The fraud department will be investigating your case, and they should hear your story firsthand.

If the thief has used your checks, report the crime to the police, and get a copy of their report to forward to your bank and the merchant who cashed the fraudulent check.

From this point on, continue to monitor all your financial accounts. Go through each of your monthly statements with a fine tooth comb, looking for any charges that might be fraudulent. Request copies of your credit reports from the three major credit bureaus. Look for any negative information that may have been added to your report as a result of the ID theft. It is your right to request that incorrect information be removed from your credit report. You certainly don't want the actions of some criminal to impact your credit score!

It will take time to fix all the problems caused by the identity theft. The average time spent cleaning up the mess is 40 hours. That doesn't mean you can do it in a week; those hours may well be spread or a period of months before your financial affairs are back to normal.

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