06/01/2023
HOW TO REPAIR YOUR OWN CREDIT
1. First, request copies of each credit report including scores from ALL 3 bureaus Equifax, TransUnion, Experian.
2. Second, carefully go though each report highlighting ALL old address, misspelled names, jobs, phone numbers, inaccurate and inconsistencies between each bureau to have them removed.
3. Third, review all listed Inquiries, current JMC clients download or purchase JMC Breakdown ebook to assist.
4. Next, review your reports for Collections, Charged Offs, Evictions and Student loans. (Use 609 Dispute Letter)
5. For those who have a Bankruptcy reporting, please delete all address and request to freeze public records, request to supress LexisNexis, then begin your dispute process.
6 Evictions follow steps 2-5.
7. Medical bills reporting, send out HIPPA letters to the Bureaus wait for response before moving forward.
8. Do NOT apply for any new credit during your dispute phase.
9. Keep records of what you’re disputing, jot down dates letters are sent out, track responses. Stay positive!
10. Calculate your total debt, income and use our JMC Budget Guide if needed to help you pay off your debt.
11. DO Not Apply for ANY subprime secured credit cards.
12. Once you have results from your repairing process, we can show you how to begin BUILDING CREDIT.
Lastly, stay positive, be consistent & be patient. You didn’t get bad or fair credit over night, so don’t expect a miracle over night!🙃