A repair outline.
A repair outline. Credit report repair can be considered to be a set of interventions one applies to questionable credit listings in order to manifest an improved credit rating. These interventions are usually conducted by written letter, although -- while usually not recommended -- some approaches may be attempted by telephone.
Although some consumers think only "send in a credit bureau dispute" when they hear the phrase credit repair, the truth is a bit more complex. Good credit repair comprises a whole range of approaches, many of which don't even involve the credit bureaus. Although an in-depth examination of the full range of available techniques is not intended here, it makes sense to provide a few guidelines -- heuristics, if you will -- for reference. Having covered the legal bases for credit repair in the previous sections, I will employ only the acronyms for such legal statutes here.
Caveat: Heuristics are only useful as a means of mentally organizing a great deal of material. Remember, though, that no collection of simple rules can define every situation. That said, these heuristics roughly apply.
1. Credit bureaus: Think FCRA disputes.
2. Collection agencies: Think FDCPA validation and FCRA disputes.
3. Original creditors: Think FCBA based interventions and FCRA disputes.
