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RRHHOONNZZEELLLLEE

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REPAIRING MY OWN CREDIT
WHAT WOULD BE THE STEPS TO REPAIRING MY OWN CREDIT ?

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Visit www.credit.about.com and start reading.  Best of luck!

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First off start by obtaining a free copy of all your credit reports. Google "good faith letters for bad debt" this will point you in the right direction. It is best to communicate through mail or email with debt collectors and always try to negotiate "pay for delete" its important to get this in writing prior to paying anything. Always use a personal check, or bank account to pay these off (money orders take more time to track if they try to deny that you paid). Also look for items that should not be there, often times medical bills try to double dip even if already paid, I had a car wreck and all bills were paid through the settlement and every year another one pops up trying to get paid again. Be diligent, remember that a collection agency purchases debt for a fraction of the cost and will often settle for less than the origional amount. Hope this helps and good luck!

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