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I was surprised when I applied for a loan recently and found out my score was to low. The lender told me I needed to raise my score 60 points to qualify. I quickly did some research and this is how I was able to raise my score 110 points in less than 60 days.

According to the Better Business Bureau “Everything a credit counselor can do for you legally, you can do for yourself at little or no cost”. also 70% of all credit reports contain errors.

Since we are applying for a loan the first thing we need to do is check our credit score. since using my method can repair bad credit fast, less than 60 days, you need not apply until you have repaired your credit.

The lender looks at your credit score the day they pull it from the services. Since this is a snapshot not a moving picture we want to have our score at it’s best for this moment.

First go to annualcreditreport.com This is a totaly free service with no obligations. Unlike the advertised sites, such as freecreditreports.com, annualcreditreport.com is not a membership site that will bill you if you don’t cancel. This site allows you to see your credit report once a year for free.

Since I was in a hurry I chose the option to view it online. I then searched it for any late payments. The first thing I did was dispute any medical bills listed as late. My brother works in the medical billing field, he told me they don’t have enough time to respond to credit bureaus to confirm late payments. I then went on to dispute all other late payments.

You want to dispute any late payments to put the burden of proof on the creditor. Even if they eventually confirm the information they will probably not do it in the allotted time frame.

The key to getting items removed is to properly dispute them. I will go into this some more later. Write letters giving all important information regarding which accounts you want to dispute. the credit bureaus have 30 days to confirm the information. If they have not confirmed the items they must be removed.

After the investigation they are required to give you a copy of your report with any updated information.

The process to repair bad credit fast is not a hard one. I was able to lift my score 110 points in less then 60 days. For an easy to follow guide to better credit go to repairbadcreditfast.info

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