Free Credit Repair/ Fix Bad Credit Rating, Bankruptcy, Consolidation Plans, Legal Letters can all help you when you are trying   to fix bad credit and get your credit rating back to where it should be

If you ever watch television or listen to the radio then you have heard the ads promising free credit repair to help you improve your bad credit rating. The ads range from removing negative remarks on your credit report to negotiating with your creditors on your behalf. In a moment of desperation you call them only to find out all the fees that they charge. If your consider filing bankruptcy credit repair figuring that your credit repair debt really can’t get any worse. Perhaps you have filed bankruptcy and now need to know how to rebuild your credit by using some free credit repair services.

There are places you can go to and they will do it for you, again for a price. You can do it yourself for free credit repair. This is your credit rating, your life, it is time for you to take charge of your credit repair and responsibility for getting your credit back on track. Look bad things can happen to good people.

Your credit report status doesn’t mean you are a bad person. Life can throw curve balls at us every once in a while and that can leave us spinning for a while. Maybe you lost a job, went through a divorce, had health issues… what ever the reason regardless of your age and gender we can all end up in tight spots.

The only way to truly fix your bad credit report credit is with effort and a personal debt consolidation plan. Believe me when I tell you that you can do this on your own, you do not need to pay anyone for these credit repair services by doing some research online looking for free credit repair help you will find that you can do your own free credit repair. If you have the money to pay a debt counselor or a credit repair attorney then you have the money to set up the repayment plans with your creditors and rebuild your credit.

There are credit repair agencies all over the nation that prey on people with bad credit problems, they promise that they can remove negative remarks from your credit report and clean up your report so that you can get a loan, a home, insurance or even possibly a job. I don’t want to tell you that they are a scam, what they are promising is just not realistic.

The bottom line is that there isn’t anyone that can legally rid your credit report of accurate information. The law states that you can ask for investigation of information that is on your credit report, this is done by filing a dispute. This is free credit repair! Hello! You do not need to pay someone to do this for you; you cant legally do it for NOTHING!

Honestly it will not take you long, you get a copy of your credit report, go through your report and dispute anything you feel is inaccurate or false you can find free sample credit repair letters that you can use for filing purposes for creditors.

While the Fair Credit Reporting Act states that you are allowed one free credit report if a “company has taken adverse action against you” what this means is if a company or business has declined your request for credit or a job and it was based on your credit report you can get a free copy of your credit report.

 Make sure that you get a credit report from all three national agencies. That includes Exerpian, Equifax and TransUnion, getting all three is important because they do not all contain the same information and you need to make sure that each one is accurate.

If you do not want to wait for a paper copy to come in the mail there are multiple sites that you an visit and get all three of your credit reports right there in front of you for a small fee.

 Here is a small list of a few of those sites:

free credit report.com

free credit reports instantly.com

truecredit.com

These sites will allow you to get all three reports anywhere from 9.95 – 24.95. Once you pull the reports up you can scroll through them and there is usually a dispute button next to each item. You click on dispute on any item you disagree with and fill out the little questionnaire they have and the dispute is then sent off.

You can also go to each credit agency individually for a free credit repair report online and there sites are

• experian.com

• Transunion.com

• Equifax.com

If you are going to do it the longer way, which requires you to write letters there are a few simple steps that you need to follow.

•  Step 1: Put in writing to each credit agency what information you feel is inaccurate if you need a proper letter you can use online free sample credit repair letters for filing. If you have any documents that support your reasoning include copies of those documents with your letter. DO NOT send originals. You need to supply your complete name and address you need to clearly state each item you are disputing and request that it be removed or corrected. Each agency then has 30 days to investigate and respond. Once it is investigated they must notify you in writing and as well as notifying all three agencies. If by chance the item is not resolved you can request that a copy of your dispute be included in your credit report 
•   Step 2 : Next you will want to notify the creditor in writing that you are disputing an item. Again be sure to include copies of all documents that support your “case”. Most places will have a specific address that you are to send the credit repair letter dispute to. If the information that you are disputing is found to be in accurate then the creditor must report it as such and never report it again.

The disappointing side of removing the negative information is that only time will remove it. While we all want to believe that super firms such as www.lexingtonlaw.com can remove those items quicker then we could on our own, they can’t.

  Here is a quick breakdown at the time certain items can stay on your report:

• Negative Accurate information – seven years
• Bankruptcy – ten years 
•  Unpaid judgments – seven years 
•  Criminal convictions – there is no limit 
•  Information reported in response to job application that pays more the $75K – no time limit 
•  Application for more then $150K in credit – no limit

How do you figure out when that time period started and when it will end?

 Generally speaking it starts at the time the event occurred.

Now with all that about credit repair credit and disputing the information with credit repair services, it is equally important that you pay your bills. Call your creditors and talk to them. You will find that if you are upfront and honest with them most creditors will work with you to repay your debt. They would rather get some money then no money, and if it is little pieces at a time until it is paid off they are happy with that as well.

You can get more guidelines and information at : www.consumercredit.com and http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm. These sites also offer free sample dispute credit repair letters if you would like to write to the companies. Good luck and do not despair, be consistent in your payments and be honest with the creditors so that they will work with you.

 You will be surprised what will happen to your credit report and your credit score in a matter of six months. We here at TakeChargeCreditRepair.com want to help you with any type of free credit repair, free credit repair help and all the information you need for credit repair services to help you restore your bad credit rating.