Every little action you take that involves credit is going to change your score. Sometimes, your credit score can take a big hit if something goes wrong, but you can always fix your credit issues.
How Can I Fix My Credit Myself?
There are many things you can do to improve your credit. If you want to improve your credit in 30 days or so, you probably aren't going to see a big difference. However, that doesn't mean it isn't going to eventually improve. It just takes time and dedication. If you're not sure where to begin on your credit-fixing journey, we suggest you start with these three actions.
How Do You Dispute Credit?
Entries like late payments stay on your credit reports for up to seven years. The only way you can remove something like this before that time is if it's inaccurate. If you feel a negative mark on your credit report is a mistake, you can dispute the error with the credit bureau(s) that reported it.
To start this process, you need to submit a dispute, either electronically or in writing, to the credit bureau(s) and provide documentation that backs up your claim. If there's more than one error, make sure you list each one and provide proof for each claim.
From there, the credit bureau must investigate your dispute(s). They have 30 days to complete the investigation and send you a letter explaining their decision and any action that's going to take place. If the credit bureau doesn't get back to you within the 30 days, the negative mark(s) is automatically removed from your credit reports.
The Bottom Line
You don't have to go to a credit repair service to fix your credit issues, although these places can help if you feel in over your head. You can fix them yourself over time. Remember, your credit isn't going to improve overnight - it can take anywhere from a few months to a few years to rebuild your credit, depending on where you score currently stands.
If you want to improve your credit and need a vehicle, Drive Murfreesboro can help you find financing even if you're struggling with credit issues. We work with you and know how to help bad credit shoppers. Get started today by filling out our online car loan request form.
Charles Higgins has been in the automotive industry now for over 17 years. He has built a career by helping people with unique credit situations get financing. Charles believes everyone deserves the chance to build their credit while driving a reliable vehicle. Contact Charles today for your all of your credit needs.