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A Credit Repair Kit… Is It Necessary?

By Tim Beachum

You are being pick-pocketed, lied to and robbed as you sit there reading this article. The banks are over charging you, the credit bureaus tell you that they are there to help you, and whatever interest rate you are currently paying is 30-40% more than you should be paying. Keep reading and I’ll tell you exactly how to dig your way out of your current situation.

A wise man once said that you cannot find a solution to a problem that you do not understand. The same applies to repairing your credit. Before you can repair your credit problems, you must first understand how everything works. Set aside everything that you think you know about the credit bureaus, at least while your reading this article. The media has been telling you a big fat lie, as you read this you believe that the credit bureaus are there to keep track of your information, and to assist you if you need it. Take a look at things from the credit bureaus perspective – they generate revenue by selling your information to other businesses. In a nutshell they benefit from you having bad credit.

Another point that I want to drive home about repairing your credit is this. You did not mess up your credit overnight so do not expect to repair it overnight. On average most situations can be rectified within 60-90 days. There are outstanding circumstances such as bankruptcies, school loans etc… When it comes to those type of dings the organizations are quick to post a negative statements on your credit report, but slow to remove. You have to constantly follow up, after all it is your credit.

The credit repair process can be initiated by requesting your report from all three bureaus. By law you are entitled to a free copy of your report annually. Once you have all three reports in hand, it’s time to closely scrutinize each and every error. Most individuals will skip such things as name and address viewing it as non-important. Those small dings could mean anywhere from 25 to 50 points on your credit report.

Understanding your credit report could be a frustrating task to say the least. If you have never viewed a report before you will notice a ton of abbreviations. Strangely enough there’s very little explanations of what the abbreviated letters and numbers mean. The good news is most credit reports will come with some sort of abbreviation key that will break down the meaning of the cryptic codes.

After identifying and highlighting all dings located on your report, it’s time to get down to business. Prepare your letter of dispute and in that letter you want to dispute every single thing regardless of how trivial it may seem initially. Before mailing anything out make sure to have copies that you keep in a safe place for your personal records.

The count down officially starts once you have mailed your letters of dispute off. The bureaus legally have 30 to 45 days to investigate your claims. If for any reason they cannot disprove your claims in the allotted amount of time, they must adjust your credit report by removing the error(s).

Now that you have a solid foundation, and you understand how things work it’s time to take action. Go download your credit repair kit right here.

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Article Citation
MLA Style Citation:
Beachum, Tim "A Credit Repair Kit… Is It Necessary?." A Credit Repair Kit… Is It Necessary?. 26 Jun. 2010. 29 Dec 2014 <>.

APA Style Citation:
Beachum, T (2010, June 26). A Credit Repair Kit… Is It Necessary?. Retrieved December 29, 2014, from

Chicago Style Citation:
Beachum, Tim "A Credit Repair Kit… Is It Necessary?"

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