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Here are some steps you can use to assist you in clearing your credit. First you must obtain a copy of your credit report. The negative things on your credit that you don't think are correct - Step 1 - send a registered letter to each and every creditor requesting that the debt be validated. The key word is "validated." Also put somewhere in your letter that you are requesting this validation per the Fair Credit Reporting Act. It is also very important that the letter is sent by registered mail with a return receipt. (this way you can prove the 30 day time frame.) Upon receiving the registered letter the company or entity that has put the negative mark on your credit has thirty (30)days in which to reply to you in writing that the debt has been validated and due and owing by you. If the company or whoever fails to reply within the 30 days, the negative entry on your credit report must be REMOVED. At the same time you are sending the letters out, start an investigation on-line with the credit reporting agency, Equifax or whoever. Instructions for starting an investigation should be on the credit report that you obtained. Per the Fair Credit Reporting Act, those creditors that fail to reply within the 30 day time frame in writing, the credit reporting agency (Equifax, etc.or whoever) will have to remove those items from your credit. To rebuild your credit and bring up your FICA score I used the following method. Obtain a credit card, even if it is at a high interest rate it will not matter because you will be paying the full balance at the end of every month and therefore will not be paying any interest. Once you get the credit card, when you get gas or go to the grocery store use the credit card but then subtract that amount of money and write it in your check register as if you had used your checking account. Then at the end of the month when you credit card bill is due - all the money needed to pay the entire balance will be available in your checking account. After you do this process for about six - nine months ask the credit card for an increase in your limit and continue to pay the balance in full at the end of every month. Within a years time if you always pay on time and pay the full balance, this should increase your credit score. I used this method after receiving information from a credit counseling agency and it helped my credit. Hopefully it will help you.
HELLO EVERYONE MY NAME IS MICHELLE AND I AM POSTING SOMETHING VERY INPORTANT ABOUT HELPING PEOPLE ON THE AID PAGE.... IF SOMEONE NEEDS HELP OR FUNDS PLEASE CALL THEM GET A NUMBER AND HAVE SOME KIND OF RELATIONSHIP IN KNOWING THEM BEFORE YOU GIVE... FUNDS FOOD OR ANYTHING PLEASE IT WILL SAVE YOU TIME AND MONEY... HELPING PEOPLE IS NOT A BAD THING ITS A GOOD THING BUT REMEMBER THERE ARE SCAMS GOING AROUND AND CHRISTMAS AND HOLIDAYS ARE THAT TIME AND "ANYTIME" DAY OR NIGHT CAN BE A SCAM AND ANYONE CAN POST A LETTER SAYING THEY NEED HELP! SO PLEASE BE CAREFUL BEFORE YOU GIVE FUNDS OR HELP THANK YOU..... HAPPY NEW YEAR....