How to Repair Your Credit Legally

Repairing one’s credit legally takes time and patience. To do this there are some things that you need to settle and consider like your daily needs and routines. Being able to fix your credit is important to receive a good credit standing. In order to know how to repair your credit legally, below are the simple procedures and steps that you can follow.

Materials Needed

Before you can proceed with the steps, it is best to get all the materials that you will find useful. To fix your credit standing, you should ask the three bureaus to give you a copy of your credit report. Aside from this, you also need to get the addresses of your reporting agency. Additionally, it is important to have the bills for the old as well as the current debts. You also need to prepare stamps and envelopes.


As soon as you get the credit report, you need to assess every detail in the report. Get post-it notes and a highlighter. Check if there are wrong information and inaccuracies in the report. Highlight any inaccuracy in the report. Place a post-it note on the spot where there is wrong information. Write the reasons why the information is not correct. If you can still find receipts or documents that can support your claims about the information in the report, then you should attach these.

If there are any inconsistencies, then you need to send back a copy of the credit report to the bureaus along with your supporting documents. Ask the bureaus to verify the incorrect data in the report. Other information that you should include with the credit report are your full name, present address, previous addresses, Social Security number, birth date, present employer, phone number and signature.

Look for the debts that have small amounts. List these based on affordability and priority. For instance, if you can spare $50 in your budget, then start paying debts that are less than $50. Send the payments to the corresponding creditors along with a letter requesting them to report your payments to the credit bureaus. It is also important that you ask the creditors for receipts.

After settling the small debts, look at the large debts. If the credits are not yet forwarded to collections, then the best thing to do is to contact the issuers of the credit cards and make payment arrangements with them. However, if the credits were forwarded to collections, contact the person in-charge and try to make arrangements. To do this, you should propose a reasonable payment scheme.

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