How do I fix a poor credit rating that has things on it from years ago? What is the first thing I should do?

I used an online credit repair kit I got at www.creditrepair101site.com and raised my score 60 points. It has guides, sample letters, everything you need to trully do it yourself. There is no need to pay a service hundreds of dollars. The first thing you do is to obtain your credit report. The kit walks you through the whole process. Good luck.

How do I fix a poor credit rating that has things on it from years ago? What is the first thing I should do?
The first thing that should do is get copies of your credit reports from all the bureaus and dispute any inaccuracies, or just dispute everything negative and hope that the creditors don't respond in the allotted time of 30 days and it would deleted from your credit file.
Reply:www.creditinfocenter.com
Reply:The dirty little secret that the credit reporting agencies don't want you to know is that there is NO law that says any information has to be reported on you for seven minutes, much less seven years. They have the right to report information on you for seven or ten or 15 years (depending on the type of information) but it must meet ALL the requirements contained in the Fair Credit Reporting Act. The FCRA contains 340 laws that each piece of information MUST adhere to in order to be reported. If that information does not meet even one of those requirements and you can prove it, it MUST be corrected or removed from your report.





The trick is trying to figure out which requirement that piece of information does not meet. That is why I tell people to use a legitimate professional credit restoration company. Do your due dilligence and research these companies before you decide to use one. Most credit repair companies are scams or they can only remove limited amounts of information from your credit reports. Read my article on ten things to look for in a credit repair company. The link is provided in the source box below. I will also provide a link to the Credit Repair Organizations Act that tells you how credit repair companies must behave.





There are a handful or so of companies out there who can perform good credit restoration services. And even fewer who are willing to put their money where their mouths are. But when you do decide to use one, be prepared to invest time. This cannot be done overnight or even in one month as some would like you to believe. In order to do the job correctly, it can take six months or longer. Check the laws of the State that the company is located in as well. Many States are now requiring that credit repair companies stay with you for 18 months in order to ensure that the information they remove for you stays removed. If the company you choose will not stay with you for that long, I would be very concerned.





If you have any further questions about your credit issues, please feel free to contact me at nebula7693@yahoo.com