Repair Your Credit With Our Easy to Follow Schedule
Last Updated: September 28, 2011
Feeling overwhelmed by it all and tempted to hire a credit repair company? You're not alone. Many people get overwhelmed by the thought of repairing their credit. "There is so much to learn" or "I have a full time job, I have kids, I have a LIFE" are the common excuses I hear everyday. I understand all this, but honestly, repairing your credit takes about 2-3 hours a month. Not only will you be able to find these few hours a month to devote to credit repair, you could save yourself $800 - $1,700 in credit repair fees by doing it yourself.
Easy to Follow Credit Repair Schedule
Just to illustrate the kind of time you will be spending cleaning up your credit report, I've come up with a sample schedule:
Month 1
- Get and read your credit reports. 1 hour
- Reading initial credit repair method. 30 minutes
- Writing initial dispute letters to credit bureaus. 1 - 1.5 hours
- Making copies of all the letters you are sending. 15 minutes
- Mailing dispute letters. 15 minutes
Total: 3 1/2 hrs. max
Month 2:
- Collecting letters from credit bureaus and filing them as them come in. 15 minutes
- Gathering your responses at the end of the month and reading them. 30 minutes
- Logging results in a journal. 15 minutes
- Reading credit repair method. 15-30 minutes
- Writing new dispute letters to credit bureaus. 30 minutes
- Writing debt validation letters to collection agencies. 1 hour (depending how many you have)
- Making copies of all the letters you are sending. 15 minutes
- Mailing letters. 15 minutes
Total: 3 1/2 hrs max
Month 3: (Repeat or follow up on activities performed in Month 2)
- Collecting letters from credit bureaus and filing them as them come in. 15 minutes
- Gathering your responses at the end of the month, reading them, logging results. 15 minutes
- Writing out new dispute letters to credit bureaus. 30 minutes
- Writing follow-up debt validation letters to collection agencies. 30 minutes
- Making copies of all the letters you are sending. 15 minutes
- Mailing letters. 15 minutes
- Writing investigation requests to original creditors. 30 minutes
Total: 2 1/2 hrs max
Month 4: Repeat or follow up on activities performed in Month 3. You should be getting quicker at doing all these things, it should be taking no longer than 2 hours a month at this point.
- Collecting letters from credit bureaus and filing them as them come in. 15 minutes
- Gathering your responses at the end of the month, reading them, logging results. 15 minutes
- Writing out new dispute letters to credit bureaus. 30 minutes
- Writing follow-up debt validation letters to collection agencies. 30 minutes
- Making copies of all the letters you are sending. 15 minutes
- Mailing letters. 15 minutes
- Calling original creditors about investigation results. 15 minutes
Total: 2 1/2 hrs max
Months 5, 6 and beyond: Repeat activities in Month 4. You should be getting quicker at doing all these things, it should be taking no longer than 1.5 hours a month at this point. In addition, if you get stuck, you can ask for advice on our discussion boards.
Credit Repair is Not That Difficult
Come on, people - just give up 3 hours of watching TV every month and you can have vastly improved credit! According to the New York Times, the average American watched 142 hours of TV in a month in 2008. in 2007, the typical home had a television on for eight hours and 18 minutes each day. You do have the time!
Our Credit Repair Workbook takes you through things step by step and also helps you keep track of where you are at in the credit repair process. At $19.95, it's a steal.
We hope we've convinced you you can do this on your own, but if we haven't we can recommend Lexington Law. This company follows the same credit repair methods we promote on this site.
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