Credit Card Watch

Step Three - Make a List
Next you should make a list of all the negative items on your credit report and decide whether or not you want to dispute them. My advice is, dispute anything and everything that you do not agree with. Many people do not know this, but when it comes to disputing items on your credit report, you (the consumer) have the upper hand.

Step Four Write Letters
This is the part where people usually throw in the towel, but it is really easy. You have two options when it comes to disputing items on your credit report, you can dispute them online at any one of the credit bureaus websites, or you can do it the old fashioned way, and write letters by hand to send in. To be honest, I have seen both work really well, I would suggest doing whatever youre more inclined to stick with.

Step Five Find A Template
The easiest way to write dispute letters that really knock em dead is to use one that has already been proven effective. There are all sorts of letter templates all over the place online, in fact I give a really great one out at my site free of charge to people who register for my free eCourse. Trust me, use a template they work!

Step Six Get Thorough
When you send your dispute letter, it helps to send any and all documentation you have supporting your claim. This is important, the more proof you have, the easier it will be overturned. Dont have any substantiation? Send a dispute letter anyway, in a lot of cases, you can still get items removed (remember the 30 day rule?).

Step Seven Keep Track
Here is where you have the edge as a consumer. The reporting creditor has 30 days to respond to your dispute (to the credit bureau), or your item is automatically removed. Its just that simple. Send your well written letters, and keep track of time.

Step Eight Be Persistent
Dont take No for an answer! If you want that darned negative item off your credit report, dont just take your first answer and give up. You have to be persistent, in fact in most cases when it comes to fast credit repair, persistence is what triumphs. Just keep disputing and eventually you will win.

Step Nine Stay On The Ball
Here is where it gets tricky most of the my clients have several negative items on their credit report that they want removed, so staying organized and being persistent begins to be quite hectic and a little crazy at times. The key to success when you are trying to dispute 10 items all at different intervals is quick response time coupled with excellent documentation. When you get those return letters in the mail, dont just file them away to deal with later deal with them right then and there and you will stay ahead of the dispute game.

Step Ten Celebrate!
Thats right its time to celebrate. If you follow all the previous steps mentioned above, it is not inconceivable that you can raise your credit score up to (and in some cases over) 100 points in about a month. I have seen it happen time after time, you just need to be consistent and persistent.

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Does your pay disappear as soon as you as you get it? If your unpaid overdrafts and credit card payments leave you no room for cereal at the breakfast table, it's time to seek debt help.