My friend, Dean, has a website on how to fix your own credit. It’s pretty detailed because it’s what he did himself, for free, to fix his own credit. No joke, it’s the real thing. It’s not flashy and he’s not out to make tons of money by having the site. He has a real day job and a real life. The site has minimal ads. He just wanted to get the information out there.
The advice he gives is similar to the advice I give when I’m teaching a financial management course, and it is very effective. If your score is under 700, it’s worth doing. However, it can’t hurt if your score is a 750 to clean up the bad items on your credit report just to nudge it higher.
It’s a good time to do this since you can get a free report online and send out the faxes immediately while you have time off before the new year. I’m about due to check mine out and will probably spend a hour on the first few days of January to do it. (The link is to the free website for credit reports, not an ad or affiliate.)
My advice is to do everything via fax so you only have to write things once and can put ‘RESEND’ at the top if you need to send it again. It kind of perks up their attention and you don’t have to labor with mailing stuff out, etc. Keep a copy of the transmission records and be detailed about things.
An old post what is a worthwhile reads on the subject:
Kiplinger’s FAQ article on boosting credit scores
Related posts:
- Coin Jar Count Giveaway! Win a Free Starbucks Card! ($5) To win this prize, all you have to do is...
Related posts brought to you by Yet Another Related Posts Plugin.
