Learn How to Fix Your Credit For FREE

Learn How to Fix Your Credit For FREE

Companies charge BIG money to fix credit. The crazy thing is, you can actually Fix Your Credit For FREE and it’s rather easy. So why pay someone to do it? Anyone with a computer and internet can fix their own credit!

Start by getting your FREE CREDIT SCORE HERE (it is 100% free and 100% safe).

This shows you where you stand and will point out issues that need to be fixed. If there are issues, you will want to pull a credit report. GO HERE and pull your FREE Annual Credit Report.

You can get your credit report annually for free and you can dispute any negative items. The creditor will have 30 days to verify them. If they don’t, the item is removed. It’s as easy as that!

If there AREN’T any issues, I wouldn’t waste your free credit report until you need it. You can only pull this once per year.

credit report with score

If you have issues to fix you will create an account with each of these companies: Transunion, Equifax, Experian.

You will then dispute each negative item with EACH company. If you have the same issue on all three reports, you will need to file three claims. Once with EACH agency.

You can do up to three items at a time per company at a time. Any more and the agency will throw out your claim.

Choose the reason that best fits your situation…

  • If the debt is not yours use that option.
  • If the balance is incorrect, use that option.
  • Or, you can simply ask them to verify the debt.

If they can not verify it within 30 days (they send a request to the company reporting) it will be removed! This happens all the time.. usually the debt is sold a few times and the current owner does not have the information to verify it. Any easy way to remove items!

Repeat the process as items are removed or denied. This can take months but it can be totally worth it!

NOTE: we are not credit experts. Use these tips at your own risk. These are tricks we have used in the past with great success.

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One comment

  1. My husband and I recently sold a home and loan is paid off. We looked at our credit reports before getting preapproved to start looking for another home. We found that the payment for our home loan had been reported late for 24 consecutive months. It looks like a partial payment was applied to the principal on the loan instead of the payment amount due and through the payment off. I contacted the loan officer, due to our closeness he told me secretly that the quickest way to get it cleared up was to looked for a credit expert I told him I don’t know anyone who could help me out then he introduced me to Tom who’s a former Experian worker. I contact him via email at (tom.lawrence114 at g mail com) I explained everything to him and he assure me he will help me get my credit fixed after we bot got an agreement, to my greatest surprised every debt on our credit was marked as paid, the 24 consecutive late payment had been corrected to on time payment. We applied for a home and we were approved. My question is If the loan officer didn’t confide to us we wouldn’t have got our credit Fixed which im pretty sure many Americans are currently in this situation

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