When it comes to credit repair, there is no quick fix. You can improve your credit score, but it takes time, a conscious effort, and sticking to a personal debt repayment plan according to the FTC, the nations's consumer protection agency. Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — are required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year. It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information in your report.
If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program.
A credit counselor can assist in determining a solution for your credit and debt issues. Get financial reviews, counseling sessions and plans to help solve your financial situation. The National Foundation for Credit Counseling can provide help. Certified consumer credit counselors are located in each of the 50 states. Visit NFCC.org to get a personalized financial review.
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