Just starting out trying to clear up my credit and was hoping for some guidance. I have been using Clearcredit.com for the past 3 months. Or should I say the past 2 months for some reason they haven't updated my information on their site. They did in fact get some info taken off of my Credit Reports, but now they aren't't updating my account information or letting me know when my next billing cycle will start (I also did some research on them and found numerous complaints against them filed with the BBB) however after doing some searching (where I found this site I might add) I canceled Clearcredit and want to take a stab at it myself now. Any suggestions. Should I wait a couple of months until I dispute on my own or start right away. As everything I read here says I should wait between disputes? Thanks in advance for the info.
You can probably do better at it than they did without a much problem. There aren't very many things you can do to clean up your credit going at it the way "everybody" does. Only so many excuses one can use and they are really pretty unimaginative and limited in number. According to national statistics it makes little difference whether people do it themselves or they hire some credit repair company to do it for them. Statistics also tend to prove that the success ratio for credit repair is about the same as that for the percentage of reports that have reporting errors in them. The government claims that accurate information cannot be remove from one's credit reports but we know that such is untrue. Personally I am very much against fiddling with the credit bureaus at all for the simple reason that the success rate is generally very low and the frustration level extremely high. Be that as it may, attempting to get rid of as many as possible by disputing does have it's advantages and many are quite successful. Yes. Do your homework, ask questions, learn as much as you can. You will never learn enough no matter how hard you study because people are experimenting and learning new things every day and they report their successes and their failures. Of course, the fact that you will never learn enough does not mean that you should give up. It simply means that you just have to keep on trying and learning until you get the job done. Well, I don't really know much about credit bureaus since I quit fiddling with them a long time ago for the most part and learned what I consider to be much better ways to resolve such problems but I see no reason why you need to wait any longer than it takes you to learn how to write a letter to the credit bureaus claiming it isn't yours or something on the listing is wrong. False or inaccurate information kind of complaint. You will need copies of your credit reports and I would suggest a good monitoring service such as privacyguard.com since lots of people are reporting good things about them. I just started using them this last week and so far I like them too. One of their favorite sick excuses is that your dispute is frivolous and folks do seem to get nailed with that one pretty often. That's another reason I don't waste my time with them. I want complete freedom to dispute as many as I want to dispute with nobody able to tell me it's frivolous or they don't have to investigate. The way I go about it folks could easily dispute a hundred all at one time if they could keep track of it all and never have any such problems. Never saw anybody yet that had over about 50 or 60 to dispute however. I'm sure you won't have any trouble getting ideas and suggestions on how to go about disputing with the credit bureaus.
