6 MONTH CREDIT PLAN

This plan includes 6 months of aggressive dispute rounds (as needed), along with 3 CFPB complaints. 

What’s included:

•COLLECTIONS

•CHARGE-OFFS

•REPOSSESSIONS 

•LATE PAYMENTS 

•HARD INQUIRES 

•EVICTIONS

A 6-month credit repair plan involves a series of steps aimed at improving your credit score over the course of 6 months. Here's a general outline of what such a plan might entail:

1. Obtain Credit Reports: Get copies of your credit reports from all three major credit bureaus - Equifax, Experian, and TransUnion. You're entitled to one free report from each bureau annually through AnnualCreditReport.com.

2. Review Reports for Errors: Carefully review each credit report for any inaccuracies, such as incorrect account information, late payments, or accounts that don't belong to you.

3. Dispute Errors: If you find any errors on your credit reports, file disputes with the respective credit bureaus to have them corrected or removed. This process may take some time, as the bureaus have 30 days to investigate your disputes.

4. Address Late Payments: If you have any late payments, work on bringing them current. Pay off any outstanding balances and make sure to make all future payments on time.

5. Reduce Credit Card Balances: Aim to pay down credit card balances to below 30% of your credit limits. Lower credit utilization ratios can positively impact your credit score.

6. Establish Positive Payment History: Consistently make on-time payments on all your accounts moving forward. Positive payment history is one of the most significant factors in determining your credit score.

7. Diversify Credit: If you have only one type of credit account (e.g., only credit cards), consider diversifying by adding other types of credit, such as an installment loan or a mortgage, if feasible.

8. Avoid Opening New Accounts: While it might be tempting to open new accounts to improve your credit mix, refrain from doing so during the credit repair process. Opening new accounts can temporarily lower your average account age and result in hard inquiries, which can negatively impact your score.

9. Monitor Progress Regularly: Keep track of your credit score and monitor your credit reports regularly to ensure that any errors are promptly addressed and that your credit repair efforts are paying off.