Altos Broker California Los Mortgage Southern California Mortgage Broker California Finder Mortgage Goldmedalmortgage5 Article

As long as you have some proof that you already paid it off (normally a
check or other documentation), you can send copies of these to the credit
bureaus along with your dispute letter.

Below are the web sites of the three major credit bureaus:
Equifax
Experian
TransUnion
Tip #2 - The Payday / Passbook Loan
An old trick that many people used to do to fix their bad credit quickly was
to go to any bank and get a “passbook” loan. These are simply giving the
bank an amount of money (for example we‘ll say $500), and paying interest
on your own money. You give the bank $500 as a deposit, they then “loan”
you $500 and you pay interest on it for a few months until the loan is paid in
full.

Why would anyone want to do this? Because these are technically a loan,
they are reported to the credit bureaus, so that every time you make a
payment on them they’re paid on time, and they rebuild your credit every
month. Most people who do this do at least 2 - 3 of these with different
banks at the same time, to fix their credit faster.

The Better Option - Payday Loans
Payday loans are simply loans that are secured by your next paycheck. They
give you a loan for the amount of your next paycheck, and sometimes more.
This works for them because if you don’t pay they’ll get your next
paycheck. And if you pay the loan on time - it will normally be reported as a
loan paid off in good standing on your credit report! Many people who
need to repair their credit will get a payday loan every month or two - just to
repair their credit faster.

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