Rebuilding credit can seem daunting, but avoiding a few common mistakes can make all the difference in the world.

First, do not fail to dispute negative events on your credit report. This should be your first plan of attack for bad credit repair because up to 20% of negative items disputed will fall of your credit report when disputed. Not to mention that some negatives are errors to begin with, and these errors are worth going after as they negatively impact your credit score.

Second, do not forget to document! As you are fixing credit, you’ll want to note dates, proposed actions, points of discussion and the person you spoke to. When you mail disputes document the date sent and send certified mail with a return receipt. In addition, under the Fair Credit Reporting Act, the credit bureaus have thirty days to respond regarding the results of their investigation. If they fail to do so, the events under investigation must be removed. For more information on credit repair, take a look at VitesseFinancial.com

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