DIY CREDIT REPAIR

 Fed up with credit card denials and high interest rates because of your poor credit? Check your credit reports and check for errors. You're entitled to a free credit report annually from each of the three major credit bureaus. Look for any inaccuracies that may be negatively impacting your score. Dispute errors with the bureaus.

Pay bills on time. Payment history makes up the largest percentage of your credit score. Set up automatic payments if needed to ensure bills are paid in full and on time each month. 

Reduce credit card balances. High credit utilization, having balances close to your credit limits, can lower your score. Pay down balances to keep utilization below 30%.

Ask for a credit limit increase on existing accounts. Higher limits lower your utilization percentage which helps your score. Only do this if you can keep spending within 30% of the new limit.

Check for negative items and dispute inaccuracies. Bankruptcies and collections can dramatically impact your score. Review reports closely and dispute any items you believe are reported incorrectly.

This ebook will give you strategies on how to beat the "Online Solution for Complete and Accurate reporting" known as E-Oscar. E-Oscar is a computerized way to do investigations into the thousands of disputes they receive daily. Learn how the automated dispute system really works behind the scenes and tips for getting your dispute to a real person every time. If you believe something is incorrect or incomplete, you can submit a dispute to the credit reporting agencies. Equifax, Experian, and TransUnion. When disputing an item, be specific about what is inaccurate and provide supporting documentation if possible.

20 pre written disputes templates are inside this e-book. Use these proven templates that address the most common issues like late payments, collections, inquires and more. Simply fill in your details.

How to keyword your disputes. Certain words and phrases trigger mandatory investigations. Use this list of keywords to make sure your disputes are fully reviewed.

Be patient. It takes time for positive credit behavior to outweigh past mistakes. Continuing responsible credit habits will gradually improve your score. With the strategies in this e-book, you'll be an expert at enforcing your rights and improving your credit scores through disputes. Invest in your financial future today!