Most of us think that it is only through a credit repair agency that we might hav any hope for doing our own credit repair after bankruptcy. Be assured that this is just not true.
It could actually cost you more money and time to organize with an credit agency than it would to simply do it yourself. My advice, before calling an agency for support is to follow the actions below since you may just be surprised at the results. Repairing your own credit requires time, and certainly requires patience. You first need to contact the credit scoring agencies in writing asking for your credit report.
You might be entitled by Federal Law to a free credit report each year. There are three primary credit-reporting agencies that you will have to contact. The bureaus information could be situated by running a search on the internet for “Credit Reporting Agencies” or searching through you local telephone guide. Include the following in your written correspondence with the credit score agency.
1. Written request for a copy of your credit history (You are entitled to one free credit report a year).
2. Include a copy of your state IDENTITY.
3. Send evidence of your present address if it is not current on your ID.
4. List your final known addresses for the previous 5 years.
5. Include a copy of your social security card.
6. Sign the document
Allow at least 4-6 weeks to get your credit report(s). If you have currently obtained an annual credit report from an agency and are not eligible for the free yearly report, you may even use any refusal letter of credit within 60 days of its receipt. If you receive a letter denying you credit, make a copy and enclose it with your written request for a copy of your credit report.
Take it on yourself to contact every creditor for making payment plans, the majority are prepared to work with you, a few could make your task very hard. If a creditor is being difficult, feel free to ask for his or her boss or consult with another person. Anticipate some creditors to become rude and not willing to cooperate with you, do not experience frustrated, and just ask to talk to somebody else. Offer a settlement amount. Write down details of the discussion along with the person’s contact information each time you speak with a creditor.
It might take up to 6 months to seem like you are producing any improvement at all on your credit with your settlement arrangements but be confident that your credit will fall into place within a year.
It is crucial that while you're paying your creditors, when you mail in your payment, that you pay out by check or money order and maintain all of your bills. Constantly include a SASE (self-addresses stamped envelope) with your payment and ask for a invoice for the payment from the creditor.
Acquire copies of your credit reports on a annually basis from every agency. Do not obligate yourself to any other creditors while paying down your current ones. You will or might get many credit offers, throw them away. Remain focused on your target to get out of debt and keep an eye on all your activity such as payments, contact with the creditors, their names, extension, time and date you talked with them and record any details of your discussions and agreements.
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