Once you have a copy of your credit report, you need to sit down and start writing to the three credit bureau agencies. In that first dispute letter you want to dispute:
First you want to dispute old addresses, wrong addresses, wrong birthdays, aliases or misspelled names and old employment information. Also include account disputes if there are late payments on an account from more than 7 years ago. Include a copy of your social security card, your drivers license and a utility bill to prove this is your address.
Make copies of all the letters you send out. Send each letter certified mail with a return receipt requested. Save all the receipts you get back from the certified letter. After about 30 days, you should receive updated reports and the old/outdated personal information should be gone. This is a critical step, and one that you do not want to skip when you are doing credit repair!
Each subsequent request/dispute will not match old addresses on your report and you will have a much easier time getting inaccurate information removed from your credit file.
We help people every month who had credit problems… but are still able to purchase a home. If you want to be a homeowner – don’t do all of this yourself! CALL US! Steve and Eleanor Thorne 919-649-5058. We can help you buy your dream home!