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About creditnewbie9

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  1. What are the steps of disputing them ? Where do I get the letters from and who do I know who to send them to ? How do I know they will be take off my record?
  2. Hello Guys, I am trying to find out the steps to fix my credit, I have no bankruptcies only -3 Max out credit cards total of around $6,000 -21 hard inquiries I really want to fix it but all these credit repair guys charge like $1,500 to $2,000 So far I have the following steps -Clean negatives any hard inquiries (I still dont know where to get the letters and how to send them in) -Apply primary lines -Pay down credit cards to at least 30% -Add tradelines Please reorganize if anything of this is wrong