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Credit Repair
First of all, the term "Credit Repair" is
really a misnomer. All the information in this document is provided to help
clear up those "questionable" items on your credit reports. At no point will
this document suggest that you challenge correct and accurate items on your
credit report, even if they are derogatory. That would be unethical.
"Credit repair" is a general term often used
to describe a systematic process of rehabilitating an individual's
creditworthiness, or financial credit reputation. The process is generally
initiated by obtaining copies of the individual's credit report, reviewing the
credit report for errors, omissions, and misleading information, and requesting
corrections to such information by means of a formal dispute. Many laws,
regulations, and practices govern this process, and many organizations exist
that will assist in guiding individuals through this sometimes complex process,
though much, if not all, may be accomplished by individuals by their own
efforts.
So, everything you need to know to help you
begin repairing your unfairly damaged credit is enclosed. Please read through
the entire kit (this website) very carefully before you begin. If you follow the
suggestions, you should be able to restore your credit completely.
Keep in mind, however,
that this process takes time, patience, and plenty of attention to detail. If
you do not have the time to devote toward restoring your credit, there are
several reputable credit repair service companies that can handle the process
for you.