How To Fix Your Credit Fast And Legally

Credit repair for some people may take a few short weeks but for most people credit repair takes from 6-12 months. The time that it takes to repair an individual’s credit depends upon several factors.  It depends upon the amount of debt they owe, how long their loans have been in default, and how many defaulted loans they have.   For fast credit repair an individual would need to first improve their credit score. Striving to improve your credit score is always wise because your credit score represents your credibility and opportunities in life.  In many cities such as Los Angeles, Atlanta, and New York, your credit score will hinder you from getting a good paying job or an apartment.

Repairing your credit fast (6-12 months) is achievable when you focus on improving your credit score. There are several things you can do to improve your credit score. For instance, acquiring a new credit card and paying the balance on time, consolidating older credit card debts adn make payments on time, and  disbute errors that appear on your credit report.  By improving your credit score you repair your credit effectively and efficiently. In addition, this can be accomplished in a short period of time by following two simple steps.

• Requesting your credit report is the first step to take to repair your credit because credit reports often contain errors and old delinquencies that are no longer relevant on your account. Errors and irrelevant delinquencies can be deleted upon your written request and the credit bureau will update your account and notify you of these changes after your petition has been evaluated. This will start your credit repair process and if you only have minor problems or a small amount of debt your credit can be repaired in a few weeks or in a short period of time.

• Send letters to your creditors explaining why you are unable to pay your debts and ask them to consider lowering your payments. Some companies will be lenient and honor your requests or even forgive your debt by issuing a write-off to your account.

Don’t allow the amount of time it takes to repair your credit  to discourage you from fixing your credit. Make the decision to fix your credit as soon as possible. Take your actions slowly and cautiously because you will need to accept only payment arrangements that you can handle. Just remember, an effective slow credit repair is more important and legal than a fast credit repair any day.