We all know in the adult world, your credit is everything. Someone once said, You're only as good as your fico score." It's sad but it's true. Home, auto and other lenders swear by it so if you plan to purchase anything on credit then you'd better have your credit in check. If you're like me and the average American, you've had your fair share of late pays, collections, charge offs, etc. All these things negatively affect your credit and drastically reduces your score. My credit demise started in my younger years as a college student, like so many others. I was a broke and struggling college student who fell prey to the Just send in a copy of your student i.d. and we'll give you a credit card" line. That was the beginning of what I call the set up". This pretty much set me up for future credit ruin. I started receiving all these cards, was charging them up to the maximum and had no money to pay for them. Over the years I also made other financial decisions that impacted my credit negatively. It was just a matter of time before I looked up and realized I had bad credit! In my quest to repair the damage I had done, I found out that you can dispute accounts on your credit with a letter and get them deleted. This is especially true for items that have run their seven year course and have not been removed yet. But it can also be done for any of your accounts. Instead of using the online dispute form at the credit bureaus websites, I devised my own quick and easy dispute letter. The results were tremendous! After sending out my first round of letters to the three major bureaus, accounts started falling off like magic. After a few months of using the letter there was a drastic increase in my fico score. I was able to increase my score by almost 100 points in only three months. I also used the letter and did the same for my husband. This is amazing since the average time for you to see these type of results is usually anywhere from 8-24 months. Increasing your credit score will put you in a better position credit wise and make you a more attractive borrower to lenders. You'll have lower interest rates as well as lower payments which equates to thousands of dollars in savings. You don't have to pay those so called credit repair experts hundreds or even thousands of dollars. A good simple dispute letter will do the trick. I found out that these credit repair companies do the same exact thing. Why not be your own expert and get your credit back fast and free! Do what I did and use a credit dispute letter to get the job done.
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