The average person goes through life and doesn’t think twice about their credit report. That is until tragedy hits. It is at this point and time that the credit report becomes the most important thing in the world to the individual. My friend Julia filled out an application for an apartment. Eliminated her lease on the old apartment, and was days away from moving in. The morning of the big move she received a call from the complex telling her that her application was denied because of her credit report.

Julia called stressing out. She had know idea how to handle this unfortunate situation. I explained to her that, “The Fair Credit Reporting Act” allowed every American one copy of their report per year. After pulling her report Julia was shocked to find that not one of the negative marks on her report belonged to her.

Julia and I proceeded to the next step in the credit repair process. We identified each negative ding on her credit report. I advised Julia to go through her records and try to find any proof that would show that these were errors on her report.

Julia was almost ready to send off her letter of dispute. You must mail your letter of dispute by certified mail. This will be the only proof of the time and date in which you mailed your dispute claims.

It is crucial that you do not neglect the aforementioned step. If you do it could cost you in the long run. The credit bureaus have 30 days to investigate your claims. If they fail to do so during that time according to the law they must remove the marks in question. It is you that must have proof.

The mission of this article was to educate you on the fact that you could get your free credit bureau report. I decided to do so by sharing a true story of a close friend of mine. However I strongly advise that you educate yourself on the credit repair process.