Did you know that you can actually repair your Credit score on your own? Many companies out there will tell you that they can do it for you faster. The truth is, though, that any credit score repair takes time and sacrifice. It isn’t something that can be done overnight, even if your only problem is having errors on one or more of your credit reports. Instead of purchasing thousands of dollars worth of unnecessary services from a credit repair company, it can be a great idea to simply use a computer system that will allow you to keep all your information straight and to straighten out your credit score entirely on your own.

The right kind of software can be incredibly helpful. Let’s just take the example of finding and fixing errors on your credit report. Don’t discount this as one major way to improve your credit. Almost 80%, according to a recent study, of credit reports contain some major error that can dramatically lower a credit score. This means that you are very likely to have at least one error on your report. How do you go about fixing it, and how does a computer system make that easier?

Well, before you can fix problems, you have to find them. This means that you have to order a credit report from all three of the major credit bureaus, Equifax, Experian, and TransUnion. Because these three companies process different information, each report can have different mistakes. Don’t assume that because one is mistake-free, the other two are as well. Some programs for your computer allow you to quickly and easily order all three reports at once so you can scan them for errors.

Your next step in removing errors is to contact the credit bureau. According to federal law, they have to respond to any and all requests to investigate errors. The hardest part of this process is actually learning how to talk to a company. A professional sounding, detailed letter will get you further faster in repairing your credit. A computer program that has templates for such letters can be infinitely helpful. Plus, it can give you an easy way to keep copies of all your letters that you send, which is also vital. This is really the most difficult step in getting errors off your credit report, and a computer program with the right tools can help you out quite a bit.

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