Steps to repairing your credit !
1. Start by checking credit karma or credit sesame to see your accounts ( yes I know credit karma scores can be slightly off) but everything else such as utilization , derogatory remarks , age of accounts and total accounts are accurate.
2. Then look at score and determine if you can afford to lower your utilization or if you need to dispute any accounts . Any medical or account in collections **WITH A THIRD PARTY*** should be disputed NO MATTER WHAT!
3. Now its time to physically mail your dispute letters and allow up to 60 days for account changes and score reflections . (DO NOT CALL OR Use Credit Karma to dispute your collections. That’s Lazy and may backfire!)
4. If you don’t have credit or have bad credit get a secured credit card. (This may require a deposit)
*IMPORTANT*** Keep credit card usage under 30% AT ALL TIMES!
5. Last but not least if you have someone like a grandparent or parent that has GOOD credit ask them to add you to their card as an authorized user. This will boost your score and allow you to receive the benefits of their good habits.
***Note After being added as an authorized user you can tell your friend or relative to shred the card. Therefore there is no risk and you can reap the benefits******
Use this tips to get started if you have any additional questions or a more unique situation feel free to reach out to me via the contact page.
Use this link https://drive.google.com/open… for access to my pre-constructed complete dispute letter.
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