How To Get A Good Credit Score In Corpus Christi

Improving Your Credit Score isn't difficult when you follow good advice. Foremost, your letter to the credit bureaus disputing your bad credit needs to get to the point quickly. Don't quote the Bill of Rights or play legal tag with your lawyers. All you need to do is present a simple case with these three points: It's not necessary to be a lawyer-in-training; just give them these three points to consider:

• Number 1 - Why you are disputing it
• Number 2 - What exactly you are disputing
• Number 3 - What specific results you are seeking

Every dispute letter must contain each of the above three elements. Look at this example of a dispute letter to see what I mean: YOU MUST NOT COPY THIS LETTER WORD FOR WORD!! The credit bureaus may consider your letter frivolous and dismiss the dispute if it looks too much like one of hundreds of other letters copied from a credit repair course. With that said, take a look at one of my sample letters to the credit bureaus:

• Your Date Of Birth
• I am disputing the Sears account appearing on my credit report, number XXXX, for the reason of (mention one of 13 reasons below).
• Please delete. Thank You.
• Dear Credit Bureau Name
• Your Social Security Number
• Your Address
• Re: (account and reason for your dispute goes here)
• Your Name

Below are the 13 reasons from which you can choose to dispute your bad account:

• Opened/Not Accurate/Inaccurate Terms
• Not Liable For the Account
• Obsolete Account
• Incorrect Date
• Creditor Classification
• Inaccurate Late Pays
• Original Creditor Not Listed
• Incorrect Balance Being Reported
• Inaccurate Remarks
• Account Closed By Consumer
• Account Transferred To Another Lender
• Incorrect Account Designation
• Account Type Inaccurate

Good credit ratings begin with smart reasons-no legalese or complicated form letters taken out of a book on credit repair from your local bookstore. This letter has potentially powerful benefits-if the first reason is verified by your dispute letter, then write a second letter citing a different reason on the list. When you provide a different reason to each bureau for each bad account, you will repair your credit one by one. Before reading this article, you might have told them that the account is "not yours" (as most credit courses instruct you to say) and prayed that they won't be able to verify it in the 30-day time limit. But now you are equipped with an armory of reasons. Let me reassure you of some important truths: Don't spend thousands of dollars on credit courses about credit repair myths. Repairing bad credit is a secret process among the credit bureaus. You should now be empowered with good information and avoid the bad. For More Information on credit repair Click the link below and go to our website. Author Bio: Mark Garcia will teach you how to Improve Your Credit Score fast with his FREE Instant Access to a 3 minute video about his own credit repair story. You can also download a special report on the "10 Most Dangerous Mistakes That People Make When Trying To Fix Bad Credit" available at Crushing the Credit Bureaus.

The short answer is “No they are not”. However, when you are looking at doing credit repair yourself, you must be careful to whom you are listening.

There are credit repair courses available that teach you how to repair your credit and get back on track financially. These courses many times are free and can be taken by anyone. The entire purpose of the courses is to help consumers take control of their finances by teaching them about how to manage their money and learning different methods of spending and saving.

Part of the courses were helping you find better ways to manage your finances and to look at your money as something not to just be spent, but also to be save. Make your money work for you instead of you working for your money. More than that, credit repair courses help fix your credit, and improve credit score & definitely making sure that you can maintain good credit and will not fall into the same problems again in the future.

A few things that credit repair course can do is help you repair the credit that you have. Every repair course will be slightly different, but the results will always be the same, to fix your credit so you do not have further problems. You will learn how to write letters to the three major credit bureaus to make sure that they fix any errors or incorrect information on your reports.

Thousands of people have wrong information reported on their report that further lowers their score. Learning your consumer rights to have the mistakes fixed and corrected is a major part of course. It can be very difficult to get the credit card companies and banks, as well as the bureaus themselves to fix the errors. You will learn what to write, who it needs to be sent to, and what information needs to be included. You will also learn what information can be reported or used against you and what should not, how to have old information removed permanently and removing black marks as well.

Each state has varying rules on information being reported, however learning how to remove these negative marks will further improve credit score. Also, remember that your score will not go up over night. It will take a few months of letter writing and checking your reports to make sure the information was taken off. However, you will slowly begin to see your score improve and go up.

These courses if applied correctly will raise your credit score which is extremely important even if you have no plans of using credit cards and loan again. Having a good credit score can affect many areas of your life as well. With better credit score, the better the offers you will receive and the less hassles you will experience with your application.

Your Credit Score Insider,

Mark