Fresh Start Credit Repair
Fresh Start credit repair is a program that was created to help those who are looking for a fresh start with their credit. A person who has not had any credit or is currently suffering from some type of credit issues should look at this program. This program is designed to help those who have suffered major credit problems and want to have a fresh start. With the Fresh Start credit repair program, you will be able to create a new clean credit history that will allow you to be approved for loans and possibly even credit cards. When you have this type of credit, you will be able to get back on your feet much faster than if you have bad credit. The first step to getting started is to request a copy of your credit report. The credit report that you can get access to free of charge is from Experian. They are the most trusted and reliable source for credit information. You will need to provide them with your full name, social security number, current address, employer, phone numbers, and birth date in order to receive your report. There are typically no charges involved when requesting your credit report, but you may need to give them the payment for it in order to receive it.
What To Expect With A Fresh Start Credit Repair Program
After you receive your free credit report, you will be able to look over it and spot any mistakes that there may be. The next step to take is to dispute any negative items that are on your credit report. You should write and dispute any account that shows up on your report that does not belong to you. Any disputed item that cannot be proven to be yours within thirty days should be deleted. After you have done this, you should contact the reporting agency and the company that issued the credit report. You should provide them with the dispute in writing along with your proof that what is being reported is not true. A credit repair program will only work if you follow the steps that it provides you with. This includes staying on top of your bills, paying off loans, and checking your credit report at least once a year. It will also include monitoring your credit and verifying any claims that are made against you. A credit repair program can help you avoid problems with your credit and will even help you get it back on track if you have fallen into financial trouble. If you are looking for a fresh start credit repair program, you should start by reading everything that is provided to you and making sure that you understand each and every term that are mentioned. If you do not understand something, you should not hesitate to ask questions until you are sure that you know what you are getting yourself into. If you find that you still have unanswered questions, you should contact the company that provided the program to ensure that they can clear things up for you. When you do this, you will be able to rest assured that you are on the right track to having a good credit score.
If you are going to use a credit repair program, you should watch for any changes that may be made to your credit report. If anything is reported incorrectly, you should file a dispute letter to the credit bureau that is reporting the error. You should remember that even if the credit bureau cannot prove that an error has been made, you can still file a dispute. If enough people do this, the credit bureau may change their policy and correct the error. This is the best way to avoid future problems with your credit and to ensure that your credit is secure.