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If you just hung up from a telephone call with a loan officer and you were denied, your head might be spinning as you wonder what in the world they meant when they said: “You have to do credit repair. It is easy. You simply write credit dispute letters to the credit agencies and dispute the negative accounts on your credit report.” Um… ok. How do I figure that out – Is that your immediate question? If your loan officer actually wants to assist you, she will also help you figure out the credit repair letters.

I assume most loan officers would like to help, but the task of writing all the letters is a bit much for them also. It can be a bit of a vicious cycle. The lender knows how to do it and what needs to be done, but they don’t want to take the 3 or 4 hours needed to do it. You have no clue how to go about credit repair and you do not have the twenty to thirty hours you’ll need to puzzle it out!

There are alternatives for your loan officer whereby they will not have to spend that much time generating your credit repair letters. You might need to clue them into a website called creditblossom.com. This site allows your loan officer to generate your credit repair letters in 10 – twenty minutes.

The use of this website does not get you entirely out of all the work. You still have to invest some effort into the self credit repair process, but the exact directions will be given to you with all the letters. The website will provide you with detailed directions on what to do with the letters.

Much of what I have read about credit repair on the web doesn’t tell you that you need to include a copy of your Driver’s License, social security card and a utility bill with all the letters. The instructions from Creditblossom.com actually walk you, and your loan officer if necessary, through all of these technical details. It is your one-stop credit repair system!

Credit repair is not tough and it does not need to cost you a ton of capital. In fact you can do it all for nothing if you have the time to figure it all out. Better yet – utilize this service that will take the guess work out of the process and will save you a ton of valuable time.

Some other things to keep in mind that you need to do in conjunction with credit repair are:

1. Reduce the balances on your credit cards to 30 percent of the limit, or get your limit increased so that the balance is the same as thirty percent of the limit. You should also think about dividing the balances between a number of with higher limits.

2. Keep your bills current. If you fall behind on your debts that report on your credit, get them current before you undertake any credit repair.

3. If you have little credit, try to open a new account and start using it and paying it off monthly. You need 2 or 3 good accounts on your report to help bring up your score.

Best of luck!