Free Credit Repair Kit
A Credit Article Contributed by Brandie King
The resources in the following article comprise a free credit repair kit. Each of the resources included in this article are either free or very low cost resources.
Free Credit Repair Kit: Obtaining Your Credit Reports
You can visit the websites of the three major credit bureaus to order your credit reports directly from them. The three major bureaus are Experian (http://www.experian.com), Equifax (http://www.equifax.com), and Trans Union (http://www.transunion.com). You should order your credit report from all three of them because they are all three going to be different from the others. This is due to the fact that creditors are not required to report to all three bureaus.
Free Credit Repair Kit: Disputes
If you order your credit reports online from the websites of the three major credit bureaus then you will be able to use the forms on the same website to dispute errors and inaccuracies online. Your other option is to write a letter to each of the three bureaus detailing any errors and inaccuracies that you found when reviewing your credit reports.
Free Credit Repair Kit: Credit Repair Forms and Worksheets
Credit Info Center http://www.creditinfocenter.com/forms/index.shtml
There are sample letters here for all of the following:
- letters to dispute errors and inaccuracies
- follow up dispute letter
- letter requesting removal of inquiries
- letter requesting a collection agency to validate a debt
- follow up validation of debt letter
- letters for notifying collection agencies and credit bureaus that you are suing them
http://www.cccssacto.org/budget/index.html
- tracking sheet for identifying spending leaks
- unsecured debt worksheet
- monthly expense detail worksheet
- bill paying worksheet
- yearly gift planner
- holiday spending plan
Budget Analysis Worksheet http://www.cccssacto.org/challeng/worksht2.htm
Free Credit Repair Kit: Calculators, Card Comparison Sites
Use online calculators to help you figure out how long it will take to get out of debt and to develop a plan for doing so.
http://cgi.money.cnn.com/tools/ - They have a Debt Reduction Planner and an Ideal Budget calculator.
http://moneycentral.msn.com/smartbuy/home.asp - They have the following calculators for you to use: Savings, Debt Evaluation, Debt Consolidation
You have the option of transferring your balances on high interest rate cards to lower interest rates cards but you need to make sure that you are getting the lower interest rate cards that are right for you. You can compare different credit cards at the following websites.
http://www.bankcardfinder.com/ (Has a list of Balance Transfer Cards and Low Interest Credit Cards)
http://www.credit-cards-advisor.com/
http://www.lowcards.com/
Free Credit Repair Kit: Helpful Books
To learn more about each of the following books and to buy them visit http://www.amazon.com and do a search for their titles.
- Credit Repair: What the Credit Industry Doesn't Want You to Know
- The Guerrilla Guide to Credit Repair
- Repair Your Own Credit and Deal With Debt
- Credit Repair Made Simple
- Bestcredit : How to Win the Credit Game
