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How to Repair Credit:
by Lisa Phillips
by Lisa Phillips
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1. Get Organized
Repairing your credit is going to involve lots of paperwork that you will need to retain, sort and
file the paperwork. Once you start the dispute process the credit reporting agencies will be
sending you updated reports and you must keep all of your records and correspondence.
It is also imperative that you keep track of all dates, deadlines and reminders when entering into
the dispute process. Remember you will be dealing with the three major credit reporting agencies
so will need to keep the information sent to and received from all of them. You will especially
need to keep track of:
The following items will help you get organized.
1. Extra large desk size calendar to keep track of deadlines and reminders.
2. Large bucket sized folders for each credit reporting agency.
3. Small file folders for each creditor or negative entry you dispute.
4. Labels for each credit reporting agency to place on large folders and for small file folders
for each creditor and/or negative item you dispute.
5. Notepad for jotting down notes and documenting conversations.
6. Highlighter pens
7. Small filing cabinet, if possible, to retain folders.
All documents sent and received should be kept in chronological order. If you speak with a
creditor or a credit reporting agency representative make sure you document the conversation.
Keep a notepad nearby whenever you speak over the phone with any creditor. Do not throw
anything away. You may be dealing with several representatives and may need to remind them of
agreements or resolutions.
1 2 3 4 5 6 7 8 Next:
Repairing your credit is going to involve lots of paperwork that you will need to retain, sort and
file the paperwork. Once you start the dispute process the credit reporting agencies will be
sending you updated reports and you must keep all of your records and correspondence.
It is also imperative that you keep track of all dates, deadlines and reminders when entering into
the dispute process. Remember you will be dealing with the three major credit reporting agencies
so will need to keep the information sent to and received from all of them. You will especially
need to keep track of:
- Date the dispute letters are sent
- Date the credit reporting agencies begin the investigation
- Date investigation should be completed
The following items will help you get organized.
1. Extra large desk size calendar to keep track of deadlines and reminders.
2. Large bucket sized folders for each credit reporting agency.
3. Small file folders for each creditor or negative entry you dispute.
4. Labels for each credit reporting agency to place on large folders and for small file folders
for each creditor and/or negative item you dispute.
5. Notepad for jotting down notes and documenting conversations.
6. Highlighter pens
7. Small filing cabinet, if possible, to retain folders.
All documents sent and received should be kept in chronological order. If you speak with a
creditor or a credit reporting agency representative make sure you document the conversation.
Keep a notepad nearby whenever you speak over the phone with any creditor. Do not throw
anything away. You may be dealing with several representatives and may need to remind them of
agreements or resolutions.
1 2 3 4 5 6 7 8 Next:
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