Improve your credit in as little as 7 days!

Sounds like a gimmick ? Absolutely not ! Credit bureaus are reporting updates much quicker now given the current mortgage crisis and the present economy.

The key is to be prepared.

Here is what you need to know:

1. Order your credit files from all three bureaus. Equifax, Experian and Trans Union. It's important to obtain your credit file from each individual bureau. Once you receive the reports you will notice a file # at the top of each page. This file number will allow you to contact a representative ( there is also a different telephone number included in the report separate from the automated system ) to discuss your concerns.

2. Do you notice anything unusual about your report? Different names, addresses you have never lived at or accounts that don't belong to you? If so, immediately file an identity theft report with each bureau.

3. File an identity theft report with your local law enforcement. If you haven't suffered any monetary damages chances are they might not take an identity theft report. Ask them to take a "miscellaneous incidents" instead. The FTC also has an identity theft report affidavit you can file. This is additionally helpful as it is a government agency and can be accepted by your creditors. If your banking institution is involved then see if your branch manager will assist you by writing you a letter. The more documents you have to support your claim, the better off you will be in attaining the credit you need to lead a successful life.

4. Never admit to anyone at a collection agency that you owe the debt you are discussing until you receive all the documents associated with the account you are inquiring about. This is especially important if you are the victim of identity theft. Review the documents they send ( if any - they often don't ) and evaluate if you have enough information to start with. You might be going back and forth for a while until you get the information you really need.

There are many websites that show you how you can "improve your credit yourself" and that may be true for tenacious individuals that have nothing but time on their hands. The truth is, there is nothing fair and accurate about anything any of these credit card, mortgage, auto loan, collection agencies etc... Their goal is the bottom dollar not whether you could lose your home because of inaccurate, misleading information on your credit report. Let's say some of that information is correct, you made a settlement to pay it. There are solutions for that situation as well that could impact your score positively.

If you feel confident enough to do it yourself then give it a try. That's if you have the time, patience and your wits about you. However, I urge you to contact a professional if you are unsure how to proceed with negotiations with your creditors. it could mean the difference between a total deletion or a paid charge off. Two very different results on your credit file.

Email us at realresultscredit@yahoo.com for more info on how we can help you.