Looking for credit repair? Do it yourself

When using a credit repair company, the credit repair is minor. Unless, you have paid the creditor and/or they are reporting wrong to the credit bureaus, its really not worth paying the credit repair company. Its better to hire an attorney who, specializes in credit repair because, he or she knows what to look for according to the credit reporting act, "The law. It seems like its hard to do but, you can dispute your credit yourself. Request your free yearly credit report by phone from all three bureaus at: 877.322,8228 because you need to dispute with all three bureaus, and match up, to make sure they all have correct info. Each report, will report something different. What you need to know: First, on your credit reports, Transunion, Experian, Equifax, they do not necessarily report the," date of delinquency" but they will usually report the date the creditor assumed the debt. You collections can only remain on your report for seven years from," the first date of delinquency", but if you made a payment after that date, your," date of delinqency "will start 30 days from your last payment. If a original creditor has sold the debt to a collection agency they need to report," Sold, and ,A zero balance. "Opting out", If you gave a creditor, mortgage company, insurance company, ect permission to check or , "inquire" about your credit, and you dont want them to keep inquiring about it, you need to write a letter to all three bureaus to,"Opt out" of those or any creditors, checking your report,otherwise they can keep checking your report until then. Remove old addresses, these can bring down your score. The creditors only need the last two or three addresses or last two or three years of addresses. So if you are showing more than that request to have them erased from your report. If you owe alot of money and are having trouble keeping ontop or paying them, the best thing to do is either consolidate most of your credit, (debt consolidation) you will not be able to use these cards again, until you pay your debt off, or file bankrupcty. You can keep a few credit lines open when filing a chapter 7 bankruptcy, to establish credit while the banktruptcy is going on and showing on your report, at least I have seen this with others whom I have done a mortgage for! You will, or should speak with an attorney, to get some information on your case, but you can file yourself. The laws and statutes are also online at myflorida.com for Florida residents, if you are in another state look online for you state goverment websites.