The Space Shuttle Strategy – Ultimate Credit Repair Guide
Repairing your credit score is similar to launching a space shuttle; You need to cut loose a few things and give a boost.
The Space Shuttle Strategy, what is it and why we made it?
Internet is filled with guides and how-to’s to improve credit score, but there is no systematic guide that makes the credit repair process easier.
I studied over a dozen of experts to prepare this strategy for you and only to make it a full-proof guide.
Important: Read our Affiliate Disclosure.
What is The Space Shuttle Strategy?
Space Shuttle Strategy is as simple as launching a multi-stage rocket in space; you need to cut loose a few weights and give a boost. The weights in our space shuttle are late payments, debts, incorrect entries, and undisputed items; these cause a major impact on the credit scores. As quickly as you lose this weight, your credit score will gradually improve with the speed of the rocket.
The heaviest weight to our space rocket is late payments and undisputed items. Though we have fewer options with late payments and cannot do anything much about them, we can surely work on undisputed items.
The Space Shuttle Strategy is a two-step process; Reduce Weight (Remove Anomalies) and Give a Boost (Improve Credit Scores Faster + Best Practices).
In the first step, You and I (we) will remove all the negative items on the credit report with a step-by-step process. We will analyze the credit report correctly, check for all the possible ways to remove the anomalies and discuss the right procedure.
Anomalies directly impact the credit score on your credit report. The anomalies are negative items, closed accounts listed with pending payments, or wrong information. In such a case, the debt might not be associated with your credit reports, but they still harm your credit score.
In the second step, we will learn the best practices to keep improving your credit scores. These include what you should be doing to keep a good credit score and what you should not be doing.
Once you have improved your credit scores, you must ensure that you don’t put yourself back in such a situation. So, don’t be excited after the first step and stop giving attention to your credit scores. This is all that we will be discussing in the second step.
Let’s Start – Reducing Anomalies [Step 1 of the Space Shuttle Strategy]
In the Space Shuttle Strategy, we will first analyse the credit reports.
Before starting the credit dispute process and remove the anomalies, you must have the latest credit reports.
How to Get Credit Reports?
What do I mean by latest credit reports?
Credit reports are frequently updated, and when you are beginning the credit dispute process, you need to have all the latest entries.
There are two benefits of working with the latest credit reports; the first benefit is you get all the old and latest negative items on the list that you can dispute together. The second benefit of working with the latest credit report is sometimes the negative items are removed, which we might not be aware of and filing such a dispute is unnecessary.
I have a Question for you: How do you get access to your credit reports?
To analyze your credit reports, it is important that you first have access to it. So, what are the ways that you can get access to your updated credit reports?
The only best way to get your free credit score is through the Annual Credit Report. This is the legitimate and only way to get the credit reports from all three credit bureaus (Equifax, TransUnion, and Experian).
When you individually apply for credit reports through the nationwide credit bureaus, they access your credit reports through the annual credit report.
So, instead of going through the three bureaus, you can get your credit reports directly.
Other Ways to Get Credit Reports
No doubt, the annual credit report is the best way to get your credit reports. However, there are certain limitations to accessing credit reports from them; Especially when you are in the dispute process.
When you individually approach the three credit bureaus, you get monthly packages to access your credit scores and reports on a weekly or a frequency basis.
This is a costly approach as you pay each credit bureau for weekly credit scores.
One of the greater advantages of using myFICO and why my audience loving using it is nowhere hidden. On myFICO, you get all the three credit bureau reports updated quarterly with 24×7 credit monitoring.
This leverages the purpose of buying a credit report package from myFico; Besides, considering all the features, it is a budget-friendly option. Only $29.99/Mo along with $1Mn Identity theft insurance.
How is the FICO score different from the credit scores?
FICO is one of the type of credit scores that is used to calculate your credit status. Companies use different types of credit scores but FICO is one of the convenient options.
These scores range from 300 to 850 score points and the higher score you get, there are better chances of your loan and mortgage approvals.
Here is the range calculation by myFICO –
Several other websites on the internet will help you get access to your credit reports. No matter what free or paid service you use, always get the latest reports on your work desk before you start analyzing them. That is the ultimate requirement in the first place.
What is Credit Freeze? Why should you know about this?
The credit Freeze option allows the consumer or the person associated with the credit history to freeze or restrict access to the credit reports.
This is done when the person suspects a data breach or identity theft where the imposter can use the personal information to create new accounts. Unethical and improper activities on such accounts will heavily impact your credit scores and credit reports.
myFICO is giving a $1Mn Identity theft insurance, you can get it here.
You can place and lift a freeze on the credit report free. In addition, you can place a freeze on your own credit files or the children below or younger than 16 years old. Reference (usa.gov)
How to Place a Freeze on your Credit Report?
You can place a freeze on your credit report respective to all the credit bureaus by online means, phone, mail, or any other ways of contacts.
Here are the contact details of all the credit bureaus (usa.gov) –
Online: Experian Freeze Center
By mail, write to:
Experian Security Freeze
PO Box 9554
Allen, TX 75013
Online: Equifax Credit Report Services
By mail, write to:
Equifax Information Services LLC
PO Box 105788
Atlanta, GA 30348-5788
If you place a credit freeze through online means or through phone, the freeze will be placed on the next business day. This is the quickest option available.
However, if you are placing a credit freeze through the mail, the freeze will be placed in the next three business days.
Analyzing the Credit Reports
Now that we have our latest credit reports, what is the right way to analyze them? Where to start from? What should you do?
There are a lot of questions about how to analyze a credit report. It may sound like a tough job, but trust me, it is an easy process and only needs your attention along with a highlighter pen.
One thing about credit reports is that there can be several fraudulent or incorrect entries on the report. These directly impact your credit score, and it is important to get rid of such items. This is why the credit report analysis needs your complete attention.
How to Analyse the Credit Reports in the Right way?
To analyze the credit reports, it is important to know where to start; there are several sections.
The first section we will analyze is the personal information section. This is the easiest section because you can easily verify personal information.
Why Personal Information should be verified?
The sole reason why personal information such as name, address, account details are to be verified is that some items on the list may not belong to you.
Suppose the address is wrong; you can dispute the bureaus by letting them that this address does not belong to you or you no longer live there, and the item belongs to someone else.
If you no longer live there, you can send a utility bill along with the dispute letter and convince the credit bureau of the incorrect information; the entry belongs to someone else.
Similarly, if there are phone numbers, account details, misspelt names, SSN, wrong date of birth or any other information that does not belong to you, highlight them as we will need to dispute them or take them off your credit reports.
This way, you can remove fraudulent or incorrect entries that impact your credit score.
If you find any information that does not belong to you, highlight it. This is an important step to keep track of every disputable information.
We need to perform the above procedure on all three credit bureau reports and rule out the personal details section.
If you find easier sections that can be easily verified by you, complete those sections. It will reduce the workload and make a systematic plan to work on analyzing the credit reports.
Analyzing the Closed Accounts
Closed accounts; are you giving it enough attention?
Check every information about your closed account, is the data right?
If the data is incorrect or inconsistent such as misspelled names, incorrect account details, non-matching payment dates, opening and closed account details, we need to remove them from the credit report.
You need not dispute all the closed accounts (Reference by Credit Repair Expert – LifeWithMC). The accounts that have incorrect information or huge charge-offs are to be disputed only.
If your closed account does not have any charge-offs on your credit report, disputing it would be time-consuming. Besides, Credit Bureaus have 30-45 days to resolve the dispute. In this case, unnecessary disputes will only consume time and yield no result.
When you find inconsistencies or incorrect information linked with your closed account or other sections, you need to get them off your credit report. To do this, send debt verification letters to the credit bureaus and debt validation letters to collection agencies.
In order do to this, remember that a single validation or verification letter is not enough. You need to prove to them that the data is incorrect. Collect enough proofs and then send the letters to ensure that it works 100% and the inconsistencies are removed.
Other Section and Entries
We have completed the analysis of personal information and closed accounts; now, we need to analyze other sections and entries.
I suggest you start with the sections that you can easily complete; the ones you are sure are incorrect.
How can you be sure? By proofs.
One of the advantages of credit report disputing is you can always request the credit bureau agencies to remove an entry that cannot be proven.
While curating this guide, one of the tips that got us off-track is not ethical, but many people follow; if they cannot prove the debt is yours (though you know it is yours), it should be removed.
Disputing process is the important thing after analysing your credit reports.
Once you have the highlighted all the incorrect credit entries, the next step is to dispute them with the credit bureaus.
Many people ask you to buy their credit dispute letter templates, and you can buy them if you wish to. The ultimate task is to get a dispute letter template that actually works.
Check all the free options and paid templates and find the one that can convince the credit bureaus that you have enough proof; remove the incorrect or negative entry from the list.
Dispute with all the proof, make copies and attach them with your letter. This boosts the disputing process, and you can see a quicker increase in your credit scores.
The credit bureaus will not check for inconsistencies and negative items unless they are sure of your identity. You need to attach a set of proofs to prove your identity to the credit bureaus.
Credit bureaus cannot check or verify the entries only because of a mysterious mail in their mailbox that states your name and address; identity proof is a must.
List of Identity Proofs to Attach with Dispute Letter –
One copy of each will be attached to the letter and be sent to all three credit bureaus. In total, 3 copies with 3 letters are to be prepared.
Writing a Dispute Letter
It is simple and easy to write a dispute letter, but there are a few mistakes that most people make.
Keep your dispute letter short; You don’t need to write a huge credit dispute letter consisting of 12-15 pages of the entire story. Don’t try to please them; keep it short and up to the point.
Here is the format of dispute letters to creditors,
- Affective date
- Name of the Company / Creditor
- Address of the creditor
- Personal information (Name, Account Number, Address)
- Opening salutation
- Description of Error in brief (better if listed)
- Any reasonable and valid points that support your statement.
- Supporting documents attached
- Asking creditor to remove the negative entries as per fair debt collection practice.
- Closing salutation
You can read our dispute guides,
- How to Write a 609 Dispute Letter [With Samples/Template]
- Dispute Letter Template [Sample Included]
- How to Write a Dispute Letter to Creditor
Here is a sample of the perfect dispute letter,
[Your Name] [Your Address] [Phone Number] Date: Subject: Dispute of negative items as per the Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency (Experian, TransUnion, or Equifax), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report: ABC Collection Agency, account number 0123456789. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows: Date of Birth: SSN: [If you have a lawyer, state that you have legal representation and provide that person’s contact information] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, driver’s license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, [Signature]
The above sample can be copied and edited in any editor or the notes app on your iPad or iPhone.
If incorrect information exists on two or all three credit reports, you need to send individual letters to each credit bureau. Selecting disputes and then writing an individual letter to one or more credit bureau is hectic, especially when you have many items to be disputed. This is where DisputeBee cuts it down to 5 minutes or less work.
Why do we suggest using DisputeBee?
Writing a dispute letter is easy, but you need to know exactly what you can include. Besides, if there are several items to dispute and each time you need to write an individual dispute letter to each credit bureau, it becomes a tedious process.
DisputeBee writes a credit dispute letter for you with its pre-intelligent letter suggester. It can be used to create bulk letters or individual letters.
The process is simple,
- You upload your credit report.
- Select the negative items
- Select the credit bureau
- Create a dispute letter.
It can also merge all the negative items that belong to a credit bureau (Equifax, Experian, or TransUnion) in a single letter. This makes the process much faster, and all the disputes are resolved using a single letter respective to the credit bureau.
The secret is most of the credit repair companies use the premium plan to create bulk dispute letter using DisputeBee. It saves a lot of time.
If you are starting your own credit repair company; we suggest you to have this tool on your list.
Where to Send Credit Dispute Letter?
Once your credit dispute letter is ready, do not mail it(them) online. This is a big mistake that you need to avoid.
If you mail the dispute letter online, the system will not efficiently check your issue. Instead, post it to the credit bureau companies using a standard mail service.
Yes, a standard mail service and this is important.
When you send the dispute letter through a standard mail service, you get a notification when the mail is delivered to the credit bureau agencies. From the delivery date, you can keep a count of 30 days within which the credit bureau needs to reinvestigate the credit reports.
You can post the credit dispute letters to the following addresses –
P.O. Box 4500
Allen, TX 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
P.O. Box 740241
Atlanta, GA 30374-0241
Prepare four copies and Always keep a copy of the dispute letter with you for future reference.
Important tip: Do not sign your dispute letters; always print your name or paste your name on the dispute letter but never sign it. This is because the letters are then forwarded to multiple collection agencies or creditors with faulty entries on your credit report. Additionally, you also attach crucial identity information such as SSN card, driver’s license, and utility bills. Anyone can then forge your identity. Be cautious about it.
After the 30 days Period
Hey Ashutosh, What after 30 days? This must be the question tickling in your mind.
Don’t worry, we got answer to all your questions.
Once the 30 days period, recheck your credit reports and verify if the negative items are removed. In the meantime, also check your mailbox for any response from the credit bureaus regarding the status of the credit dispute.
Try again, again, and again!!
The dispute letter and process will never work in a single go. If you don’t see any changes in your credit reports even after attaching supporting proofs, keep trying. Send credit bureaus dispute letters until they remove the negative entry.
I see no changes in my credit report after the dispute and enough proofs, What should I do next?
If you have enough supporting documents for the credit dispute and the credit bureau did not make any changes to your credit reports, hire an attorney.
Your attorney shall look into the process, and after a legal process, your dispute should be removed from the credit report if it is inaccurate. This is the last manual work you can do from your end.
Hire a Credit Repair Agency
This is the last option on our list and should be taken only in extreme situations. Consider hiring a credit repair agency like an emergency button in our space shuttle strategy. We only press it in emergency situations.
There are no top and best credit repair agencies, but a few of them have proven results. It is important to understand, no matter which credit repair agency you choose, if your credit score is a wreck in such a way that no one can repair it, trust me, don’t invest hundreds of dollars in these companies.
Credit repair companies cannot guarantee you results, and definitely, the results are not the same for everyone. Some have easy-to-fix credit scores, while others may have an unrepairable credit history. The BBB rating, reviews, and testimonials should not influence you on the bigger picture.
In such a situation, we have a super quick tip in our Space Shuttle Strategy – Combine the credit authority.
Yes, if your spouse or children have a better credit score, add them as an authoritative link to your credit report. This simple hack will instantly boost your credit scores to a few points and make it easier for you to repair your credit score.
Ranked #1 in tackling inaccurate credit entries, Credit Saint is appreciated by almost every other consumer company. The best part? You get a 90 days money-back guarantee.
There are pricing models designed as per the need of consumers and well suit their interests.
#1 position in BBB credit rating and consumer affairs.
Serving in key financial areas ever since 1997, The Credit Firm has proven to be one of the best. With the support of professional attorneys, credit repair experts, financial guides, and dozens of other core members on the team, it has proven to be actionable in and around 50 states of America.
Credit Firm has a simple and straightforward process to fix the credit scores, making it one of the best.
The Credit People has helped thousands of people to fix their credit report. By far, it is one of the cheap and least expensive services with better results and dedicated professionals.
The perks of using The Credit People include free credit scores and credit reports when you opt for their services. These affordable credit restoration services can boost your credit score with an average of 53-187 credit points.
Disputes ready in as quick as 72 hours, The Credit Fix guy is our ready-to-go credit repair company. It has a simple fee structure, and there is no SSN required to get started. A few of the perks include free ebooks even though you have not applied for the credit fix program.
The Credit Fix Guy uses a simple three-step process known for affordability, convenience, and safety. You can find dozens of video reviews from their successful clients.
Boosting the Space Shuttle [Step 2 of the Space Shuttle Strategy]
In the first step of the Space Shuttle Strategy, we fixed our credit scores by disputing negative and inconsistent items; In that way, we reduced the weights on our Space Shuttle and made it lighter. Now, In the second step, we need to boost our space shuttle with best practices and improve our credit scores faster.
Yes, let’s begin.
Why should you always constantly improve your credit scores? Why should you always maintain them on the higher points?
A better credit score is helpful in easy loans and lowers interest rates and overall better credit status. Once you have a better credit score, you need to pay more attention and maintain those scores or constantly improve them.
Credit scores are important financing factors after the debt-to-asset ratio that helps lenders qualify you for loans. These help you to buy/rent house and cars (Mortgage loan),
Benefits of a Better Credit Score
There are several benefits of a better credit score, here are a few:
- Easy renting of an apartment.
- Best interest rates on cars, home loans, and homeowners insurance.
- Get quick loan approvals.
- Best rewards on credit cards.
- Negotiation on loan interests.
- Increase credit limit.
- Better insurance rates.
Better credit score ensures you are always getting the perks and benefits on your financial crunch.
Most of the apartment owners who rent their space use credit score for screening. This gives them a clear picture if you will be able to pay the rent if the apartment is approved.
Not only apartments, loan interests on cars, homes, or even insurances are reduced. These are the necessities, and paying a lower interest rate on these will help your better future in some way or the other. Besides, getting loan approval is not easy if you have a poor credit score.
Credit lenders such as banks offer perks and rewards to those who have the best credit score. This makes you spend more on your credit card, and I don’t want you to do that unless necessary. We will be discussing this in the last few sections (Best Practices) of our Space Shuttle Strategy.
Better credit scores also let you negotiate on loan interests. So, if a creditor or a lender is charging you a higher interest rate, you can negotiate the interest or check with lenders. Usually, the creditors charge a lesser interest rate on loan; if they do not, they always negotiate. It works.
Insurances are expensive but only for those with lower credit scores. The insurance agencies always ensure to reduce the insurance rates for those with better interest rates.
How to Improve Credit Scores? – Boosting the Space Shuttle + Best Practices
There are some quick ways to improve credit scores, but there is only one guru mantra to keep your credit score high; Always pay your bills on time.
In this section, we will give our space shuttle a boost by using some simple hacks and techniques. in the later sections, we will discuss the best practices to keep your credit score up.
Here is the list of things you can do to boost your credit score –
1. Know Your Credit Situation
The first most important step is to know your credit situation. Get your latest credit reports, keep track of all the credit-related information and analyse your credit reports.
Credit reports can be obtained from the annual credit report once every year for free. However, we need to keep a track of our credit situation and we will be needing a regularly updated credit report. In such a situation, I suggest you either get your credit reports from Credit Karma or myFICO.
Both the companies offer you updated credit reports and the next step is to correctly analyse them. We have mentioned how to correctly analyse the credit reports in the previous section of the Space Shuttle Strategy.
2. Dispute Error on Your Credit Reports
When there are errors on your credit reports, as per section 609 you can dispute with the credit bureaus for wrong information. When you dispute for a negative item such as debt that does not belong to you, in that case, you can get it removed. Once the negative item is removed, your credit score is increased. This is one of the right procedure to improve your credit score.
What to do if you find inaccuracies in your credit report; Here are the steps –
1. Know the source:
We get a credit report or a credit history from three departments (Experian, TransUnion, and Equifax). You need to know which department is responsible for the inaccuracies and then file a complaint.
2. 609 Dispute Letter:
Now that you have figured out which department is responsible for inaccuracy, send them a 609 dispute letter from the certified mail address. This dispute cannot ensure a deletion but allows a thorough recheck by the dedicated bureaucrats.
3. Wait for the response:
Once you have sent the mail, wait for the response, this can usually take up to a month. If there are any inaccuracies in your credit report, they will be deleted and this also increases your credit score.
If there is no response to your dispute, you can follow up with the bureaucrats or submit a complaint to the Consumer Financial Protection Bureau. In critical situations, you can also take the help of a consumer protection attorney.
What if you don’t have any negative items or errors on your credit report?
We have got it covered in the following tips.
3. Pay Smaller Debts First
The first most step to start with is clearing the smaller debts. There are two advantages of doing this; the first is you can constantly see an increase in your credit score because the debts are being paid. The second advantage is the smaller debts are easy to pay and can open new doors for you. Meaning, you can take a new loan at lower interest rates and pay huge debts. Or use any other strategy along with it, such as starting a new business for resolving debts.
Arguably, taking a new loan is adding up another credit on your report. However, this is the credit that you are using for clearing huge debts at lower interest rates. It is best to take such loans in smaller amounts, not to see any major negative impact on the credit scores.
4. Paying on Time is the Ultimate Factor
If you want to fix your credit score, paying on time is the biggest factor. When you fail to pay on time, the debt increases as the interest increase; Besides, the credit score is directly impacted.
It is important to sort out the bills that need to be paid and then pay them accordingly. To do this without missing any debt, you need to make a quick list of the debts that are to be paid off.
Make a list of debts with higher interest rates and smaller amounts. These are possibly those loans that you have taken on a bad credit score. Often, creditors charge higher interest rates when you have a bad credit score.
Once the list is done, pay off the debts as quickly as you can and checkmark them. This way, you will never miss out on any debt underlying your credit report.
5. Set Right Credit Limit
Your credit card limit is one of the most important factors that credit bureaus consider while analyzing your credit report.
This is because the credit bureaus calculate your credit reports in ratios. Let’s see this with an example.
Suppose your credit card limit is $1500, and you only spend $500 in the month. When you calculate the ratio, the percentage roughly falls to 33% which is great for your credit report.
Calculation: (500/1500)x100 = 33.33%
On the other hand, if your credit card limit is $1000 and you spend the same amount($500), you are spending over 50% of your credit card; this can make a negative impact on your credit report.
Calculation: (500/1000)x100 = 50%
The best practice is to know your expenditure and set the right limit on your credit card. Doing so will make a good impact on your credit score.
6. Credit Builder Loan
A credit builder loan is a type of loan available for people to improve their credit scores. In this type of loan, the money sits in the savings account and in the meantime, you need to pay the interest. At the end of the loan term, the money can be accessed.
Credit builder loan helps you to improve the credit score as the lender reports on-time payments. As said by Experian, this is one of the best ways to improve the credit score as the payments are timely reported. On the other hand, the money is not in your hand, so you are not spending it.
7. Add an Authorised User to your Credit
Adding an authorized user to your credit report will give an instant boost to your credit score. Suppose your spouse has a credit score or FICO score above 750 or 800; adding your spouse to your credit as an authorized user will merge both the credits and you can see an instant rise in your credit score.
This is a super fast way to boost some points on your credit score.
But, do not add an authorized user to your credit score who has a less or poor credit score. This will not make any noticeable impact.
8. Maintaining a Long Credit History
The credit repair works on numbers and by that, I don’t mean only the score. The long credit age of your accounts can direct the credit limit. If you have a long credit history, you can have great benefits from it. Apart from this, closing your old account may not be a good option unless your credit card comes with a high annual fee.
9. Have an Emergency Fund
Emergency funds are the best way to keep yourself safe in times of bad credit situation. I personally follow this and keep a certain amount of my salary for an emergency, investments, and medical.
Each month when your salary is credited to your account; doesn’t matter how big or small the amount is, keep a bite of it for an emergency, investments, and medical fund. In this way, you will always have some money to keep you going in tough situations.
Investments can be in cryptocurrencies such as Bitcoins (ByBit is one of the best options) or invest in Forex Trading or any other suitable product or opportunity.
Invest, it will grow and you will never have to be in a bad credit situation.
Now that you have learned how to fix the credit score on your own; let me tell you something about how you can make money using this strategy.
Once the basics are done, I want you to use the Space Shuttle Strategy along with Credit Repair Cloud to start your own credit repair business.
Credit Repair Cloud offers free training and CRM software for you to start a credit repair business. With the tools like DisputeBee and myFICO along with Credit Repair Cloud, you can skyrocket your credit repair business.
It takes less time and everything is automated on the Credit Repair Cloud software. All it takes is, a free training and a lot of enthusiasm. Trust me, have a check at it.
Users have turned into millionaires using the Credit Repair Cloud and The Space Shuttle Strategy is the best addition to it.
Share The Space Shuttle Strategy, link to it and spread the word. Someone might want to quickly fix their credit scores systematically.
Frequently Asked Questions
A strategy for Credit Repair Guide – The Space Shuttle Strategy is a two-step process; Reduce Weight (Remove Anomalies) and Give a Boost (Improve Credit Scores Faster + Best Practices).
The Space Shuttle Strategy is made by studying dozens and dozens of credit repair guides by expert. It is a systematic guide that helps you fix your credit on your own.
There are several websites where you can access your credit reports, some are paid, and some are free. Credit Karma, Identity IQ, myFico, annual credit reports are a few of the websites where you can access your credit reports.
FICO score is one of the types of credit scores used by myFICO. Credit rating companies use different credit score types to evaluate credit status.
A dispute letter is a letter that you send to the creditors, bureaus, collectors, and other credit departments to get the negative entries removed from your credit report.
Yes, some of the credit repair companies work. However, they use the same process as mentioned in the Space Shuttle strategy.
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