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pThere are only three items you need to do a href=http://creditblossom.com target=_blankcredit repair/anbsp;(a.k.a. credit report disputing)nbsp;by yourself: 1) ID that proves who you are, 2) a up-to-date copy of your credit report and finally 3) a template for a credit repair letter. Therersquo;s nothing more to it than that! And once you have those two things, the remainder of the process is easily handled by yourself./p
pTherersquo;s no need to hand a credit repairnbsp;service a bundle of money to do what you can do for yourself. Do you realize that repairing your credit for yourself (a href=http://www.creditblossom.com target=_blankself credit repair/a)nbsp;is even the preferred method recommended by the US government? Look over FTC.com if you want to read it yourself.nbsp;/p
pAnd as long as you are on that website, you might as well copy the sample ofnbsp;a href=http://creditblossom.com/Content/LetterGeneratingTool.aspx target=_blankcredit repairnbsp;letters/a they provide there too. That one will work as well as any of the scores of other similar ones you can find all over the web. The only thing you have to do is take any sample letter you find, customize it to the accounts you want to dispute, put it with a copy of you personal identification, and mail it to the appropriate credit bureaus./p
pWhat type of identification documents am I talking about? You will need a copy of your photo ID, a photocopy of your social security card, and a` copy of a utility bill or other page that displays your correct name and address. That is it! Just be sure all those documents are copied with absolute clarity (otherwise they will send it back and demand clearer ID)./p
pAs far as the credit report goes, getting one should be simple. If you have recently been denied a loan, you ought to be able to get a copy of the credit report your loan officer pulled for you. Barring that, you can still ask for one for free by dialing 1-877-322-8228, or you could get one by writing to the following address:/p
pAnnual Credit Report Request Servicebr /P.O. Box 105281br /Atlanta, GA 30348-5281/p
pnbsp;The Federal Trade Commissionrsquo;s site also states that everyone is entitled to one free copy of their credit report every year, so if you have not gotten one yet, ask for one. Donrsquo;t bother paying a credit repair agency to do what you can do for yourself. The only things you will need to pay for are the printing costs associated with the letters and the postage to mail them with./p