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Credit Repair

The first step to credit repair is organizing your bills. You have to know what you before you can pay it off. Individuals sometimes get so far behind that they begin throwing the bills away. In fact, they begin to recognize a bill from correspondence at a glance.

However, it really is important to keep a copy of your current bills, even if you don’t have the money to pay it off right then. It is also a good idea to keep a list of the amounts that you owe and also the income you have coming in. Sometimes organization itself is what leads to the need for credit repair.

Another step to credit repair is to have a copy of your credit report. In fact, you should have a copy of your credit report from each of the three major credit reporting agencies including Experian, Equifax, and TransUnion. You are entitled to one free credit report a year from each of the three agencies listed above. For information on how to receive these reports contact the individual credit reporting companies.

Now that you have a copy of each of your bills, you also have the contact information for the companies that you owe. If you haven’t called and talked with each of these companies, you should do so. You may be able to settle for a lesser amount and may be able to make small or smaller periodic payments.

With student loans, you can apply for a deferment or a lesser payment amount. Whether you are eligible for a deferment or change in your payment plan is determined by different factors including unemployment, reentering school, and economic hardship.

In the end you may want to seek help. This may be in the form of bankruptcy, although the laws for bankruptcy are continuing to change, or you may want to contact a non-profit credit repair counseling service. The key is finding someone you trust. Not all credit repair counseling services are legitimate.

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