DIY REQUEST
DIY Credit Repair
DIY credit repair consists of a series of steps that you can take on your own to
improve your credit score
and reap the benefits of a higher score. Poor credit history can make for a difficult future so it’s
essential that you take credit repair seriously, if your credit score is less than ideal.
Poor credit can deny you access to loans, credit cards and other forms of credit.
Sometimes potential employers will also take a peek at your credit history before hiring.
List of Services
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Understanding Your Credit ScoreList Item 1
Your credit scores can help determine if you qualify for a loan and what interest rates you receive. Actively monitoring your credit allows you to stay on top of changes to your credit report, including possible suspicious activity. Be confident by knowing your FICO® Scores – the scores used by 90% of top lenders.
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Disputing ProcessList Item 2
According to the Federal Trade Commission, around 20% of people have errors on their report that could affect their credit score. There’s a one in five chance that errors on your report are dragging your score down unfairly—which can end up costing you thousands of dollars. Luckily, you have the right to review your credit reports and challenge inaccurate items.
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Dispute Letters TemplatesList Item 3
to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company.
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Credit MonitoringList Item 4
Credit monitoring watches your credit reports and alerts you to changes in them. If someone tries to use your data to open a credit account, you will know right away rather than months or years later, when there is more damage and undoing it is more complicated.