Repairing your bad credit is never easy, but there are solutions that can help you get out of debt. Everyone has bills and sometimes bills can get out of control. Because paying your bills is an ongoing process, the best possible solution when you are in trouble is by asking for help and working to get your debt under control.
Since new laws make it difficult for consumers to restore their credit rating, it might seem impossible to get out of trouble. However, under the law it is possible to get all three of your credit reports free of charge.
If you have a poor credit history, you should request copies of your credit reports to be certain that there are no mistakes or false charges. If you do find erroneous claims on your credit report the first thing you should do is file a dispute against the claims. This will likely delay your payments and if you are found not to be responsible for the debt it can free you from it all together.
Contact the agencies as soon as possible if you notice any invalid accounts or incorrect claims that are not your responsibility. For your convenience, Experian, TransUnion, and Equifax all have dispute hot lines available....