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4.0 Overview

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5.0 Overview

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2.1 Understanding Legal Time Frames

Before you engage in the process of contacting debt collectors, creditors, and credit bureaus it is critical that you become familiar with the time lines and requirements set forth by Texas consumer...

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2.2 Use the Post Office To Help You Enforce Time Sensitive Compliance

As you may have already guessed, timing your actions is an important factor when using the law to restore your credit. The United States Post Office, or USPS, offers a relatively low cost way for you...

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2.3 Getting and Staying Organized

We cannot stress enough how important this step of the process will be. Collection agents, debt collectors, and credit bureaus have massive amounts of data on consumers, and they will use as much of...

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2.4 Prioritizing and Disputing Accounts

While you may be excited about getting started with managing your debt and personal credit file, taking the time to determine which collection agencies to contact and which items to dispute is critical...

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2.5 Debt Collector Legal Requirements

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2.6 Correspondence and Sample Letters

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1.2 How Long Does This Process Take?

Because every situation is different, the time frames involved will vary. In some cases, you may find resolution to a problem in under 45 days, while others may take up to four months to resolve based...

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Insider Tips: How Your Credit Score Is Calculated

Navigating credit reports and credit scores can get tricky and confusing, but there are some key things you can focus on to ensure you’re getting the most out of the time you spend managing your...

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