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Discussion in 'Credit Talk' started by gdsdevine, Apr 5, 2001.
Also that guy letter of validation what does that do for you credit. Thanks
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Re: Momof credit restore what
You'll find there is alot of information on this board about how to get started. You can do some searches and learn ALOT.
One of the first thing you need to do, however, is get a copy of your credit report from each of the 3 main providers.. order Equifax and Experian online, and Transunion via the web or phone (or get a copy from www.Worthknowing.com).
Once the reports come in, start looking for negative information, and begin to evaluate your credit picture. If you are unsure how to proceed at this juncture, simply list a summary of the information found on your bureau on this site, and several knowledgeable people will provide advice on how to proceed.
Once you begin to understand the repair process, and your own credit picture, you'll want to decide if you have the time and desire to tackle credit repair on your own, or if you would be better served to hire someone else to do it. If the latter, you would want to search this board for information on Lexington and Junum, 2 widely used companies which assist consumers in restoring their credit.
So to summarize..
1) Get your 3 bureaus
2) Learn about the process (read old messages from this
board.. if you're like me, you'll get addicted)
3) Evaluate your own position (provide details here if you
want, and you'll get some other folks evaluations as
4) Decide to "Do-it-yourself", or hire someone
5) .. and finally, get started!
Re: Momof credit restore what
regarding old stuff, and whether they ignore it..
basically, if it is on your credit bureau, it is probably used in some fashion or another, for good or bad.
Regarding derogatories, however.. as the information ages it generally carries less weight.
A letter of validation is sent by you, or someone you designate (like an attorney), demanding verification that a debt is actually yours.
Many threads exist on this site regarding validations.