A step by step guide to fixing your credit.
First Step – Sign up for Credit Monitoring and also have access to all three credit bureaus using the link below.
http://creditdyno.fixitfico.com
Step Two – Sign up for Dispute Panda, you don’t need the PRO version unless you plan on starting up your own credit repair agency. The Free version will work just fine for you.
https://disputepanda.com
Step Three – Make sure go to your clients and add yourself, go to the documents tab upload a copy of your drives license, upload a copy of a utility bill with your current address and on the optional I highly recommend uploading a copy of your social security card. Then on the bottom right corner you will see a credit monitoring name, Select CreditDyno and put in your user name and password. After that click the green button that says “Credit Dyno 1Click Import” you need to reimport every 35 days.
Step Four – Freeze the secondary credit bureaus, the top three that you want to freeze are LexisNexis, SageStream, ARS and Teletrack. The links are provided below. LexisNexis and SageStream are the same so by freezing LexisNexis you are also freezing SageStream. They should send you letters with your PIN number to
manage the freeze just in case you ever need to unfreeze, make sure you keep these letters.
https://consumer.risk.lexisnexis.com/freeze
https://www.innovis.com/securityFreeze/index
https://www.ars-consumeroffice.com/add
https://consumers.teletrack.com/freeze/
also make sure you opt-out of LexisNexis sharing your information with the link below
https://optout.lexisnexis.com/
Step Five –
Step Six – Credit Builders
SELF – Credit building as low as $9 a month