Getting Your Credit Reports

5 step guide to credit repair.

There are three chief credit government departments that regulate these credit functions. Getting your credit reports. TransUnion, Experian and Equifax. There is every chance of diverse viewpoints amongst all three. You need to research up and get to know their opinions about your case in specific. Those in bankruptcy hunting for credit repair need to report to only one particular bureau to whom they subscribe.

You can get reports from all three for$ 9 each and can get them free if you have been denied insurance, employment or credit due to bad credit. Thus people with bad credit don' t need to report to all three. You can obtain them in 60 days after your rejection. Examine the reports. The most considerable report can be considered by you as an option. Once you obtain the reports check them in every nook and corner for any kind of mistakes. Be sure to look for any obsolete information and erroneous account records.

The reports may be erroneous as these bureaus do not cross check the information provided by the credit companies to them. Be painstaking enough while organizing and preparing points of dispute. Dispute reporting. If there are any false points there you can look to rectify them through your good habits and timely billings and fight bankruptcy. Report the points of dispute to the credit bureau after thoroughly preparing a list of errors and their proper justification. You must then send them to the credit authority to rectify the errors.

Remember to keep the supporting documents, identity proofs, letters, address proofs and other important documents that can get your errors rectified. Dissolve bad credit and escape bankruptcy. You can also take various credit cards and diversify risks. You can use various consolidation techniques and also recommend the bank to lower your installments. Show your credit worthiness. You can forward these to the bureau, gain their trust and repair credit.

You can approach petrol pumps, companies, banks, shops, etc that have your previous proofs of purchase and liquidity.