Are you looking for ways to clean up credit report ?  Maybe you have some mistakes that were added on your credit file that aren’t supposed to be there and you want to remove them. Where do you start to fix credit? How do you dispute your credit report and not spend a ton of money? Here are a couple credit secrets that will help you manuever through the muddy roads ahead in credit report repair .

Credit Score Secret #1

The first thing you should know is credit is dynamic not static. This means that your credit score changes constantly. With every payment you make-or miss , with every payment you pay early-or late, your credit report score will change . Often an individual with a good credit score may experience temporary problems , but the credit repair agencies know that good credit can come back. They count on it .

For a fee, I could turn my credit report  to a credit repair company and they would increase my credit score . But when I asked the local salesmanwho was trying to persuade me to sign up for credit services how they could achieve this , he offered a bunch of gobbly goop that made no sense to me.

In fact when other sales people from the credit repair companies finally told me they would dispute all negative credit results, I was then wise to their methods . How do you dispute credit reporting errors even though they are correct? Here is your next Credit Score Secret.

Credit Score Secret #2

When you,or your agent dispute an item listed on your credit report, the credit reporting agency (CRA) has to open an investigation and they have 30 days to complete it and if they are unable to do this or if the credit report information is erroneous, that item must be removed from your credit report .

With one million people currently filing bankruptcy in the Us every month and with the onslaught of bad credit, the CRA’s are swimming upstream in order to work on all the requests for credit disputes .

The Fair Credit Reporting Act (FCRA) stipulates that each request must be completed in a timely manner. This usually means about thirty days. Credit repair agencies dispute every negative item on your report with the hopes that the CRA’s will not be able to verify bad credit in time , and when this happens, they get a deletion of that account . Victory for them and for you, but likely to be temporary.

I asked what happens if the onslaught of validations is not successful and the CRA’s are able to verify the derogatory credit .  I never got an answer other than the fact that the request would be made again. If I was going to spend upwards to a thousand dollars , I wanted some better guarantee.

In fact, I would have been happy with a money back guarantee and I was offered one, but only after deductions were made for work already preformed. To me this wasn’t a guarantee and I knew I had to do something else.

After looking for more solutions, I decided to learn and to embark on a do it yourself credit repair I would improve my credit scores myself. At least I had some control and with the right program, I knew I could be successful. Here is your next Credit Score Secret.

Credit Score Secret #3

If you or your agent continue to dispute credit reporting items on your credit report the CRA’s can refuse to validate them and they are allowed under law to deem these attempts to log jam them as “frivolous.” Basically, you just lost your money if this happens. But what if these bulk, blanketed disputes are successful? You may get a deletion, but what happens the following month when they are finally validated?

My experience is that they reappear on your credit report. More time wasted and more lost money and your credit still sucks.
When I decided to improve my credit score I did so only after finding something that would help me be successful. I wanted control over the process and I also wanted something that would work.

I wanted privacy and I didn’t want to have to go to an office and spill my guts to a stranger who had no idea how or why I was in the bad credit situation I was in. I wanted to do this on a computer and I wanted to know exactly what would work… and what would not work. No guessing. That’s when I discovered AVAIL Credit Coach, the most amazing do it yourself credit repair system on the market.

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