Did you receive a notification from us that your debt has been canceled? Below are some resources for you.

The process to repair our credit can be difficult. But, if you follow these steps and use the available online resources, you will be well on your way to to financial independence.

Step #1

Get your credit report from the three credit reporting bureaus (TransUnion, Equifax, and Experian).

Step #2

Use the letter you received from our organization to dispute inaccurate or missing information. This can be done by contacting the credit reporting agency and your lender, when applicable at the three credit reporting bureaus. Simple suggestions, such as disputing accounts, negative marks, incorrect late-payment entries, will help clear up the inaccuracies on your reports and positively impact your credit score.

Step #3

Use financially safe practices by paying your bills, paying down your debts, and taking advantage of the online tools that allow you to review your credit score.

Step #4

Stay away from credit report scams. There are no quick fixes to repairing your credit, so beware of companies and organizations that promise overnight fixes.

Step #5

Be smart, be vigilant, ask questions, and continue to pay balances off on time. We would love to hear from you, share your story with us here.