Friday, May 25, 2007

The Ultimate Credit Repair Tutorial

A credit repair tutorial of which there are numerous ones to be found on the internet will provide a person with a simple step by step guide on how they can improve their credit score. Plus there are other tutorials that provide ways of actually repairing your credit report. These tutorials are specifically designed for those people who have bad credit history rather than no credit history at all.

One of the first tutorials that a person will use when it comes to credit repair is the one regarding how to obtain a free credit report. In the US now people are entitled to obtain a copy of their credit report from any one or all of the credit reporting agencies based there. The main three agencies that a person will need to contact is TransUnion, Equifax or Experian. In any good tutorial they will provide you with contact details for each of the agencies in question. Normally they will contain the agencies phone number and any email or addresses that you will need to use in order to contact them.

Then the next tutorial will describe to the person that once they have received the report they should sit down a read through it thoroughly. By doing this they can see if their are errors or inaccuracies within it. It will also show if you have actually been a victim of identity theft which is becoming ever more common in the society we live in today. Certainly if you were to look at the news on one given day you will normally see something with regard to identity theft certainly only recently T K Maxx were in the news because thousands of their customers had their card details taken through the use of the chip and pin machines in their stores when purchasing goods.

Then once you have found any errors or inaccuracies within your report the next credit repair tutorial will take you through the steps of how you will need to make a claim. The most common way used today for making a claim against anything untoward on a person's credit report is by writing to the credit reporting agency and the creditor directly enclosing documentation that can substantiate the claim being made.

As previously mentioned there are plenty of sites which offer credit repair tutorials and many of these are completely free to use. So if you are in a situation with regard to your finances then why not search out a few sites and see what they can offer you.

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