Well help is out there.
Some places want to charge you to fix the problem, and this may be good for some, but there are steps you can take to try to fix it yourself.
The steps are not difficult, but require persistence, organization, a positive attitude and time, and with these many of your credit issues can be resolved.
The self help credit repair process has four steps, identify your credit report problems, acknowledge and dispute negative credit report listings, eliminate negative credit report listings, and exercise good credit habits.
The first step in self help credit repair is to identify your credit problems.
You must know what is causing your credit score to be so low this way you can make plans to fix it.
Obtaining a copy of your FICO credit score is the best course of action.
This credit report will detail not only the credit score that most lenders see, but also will detail, line by line of your credit listings.
You can obtain a free credit report at annualcreditreport.
com but it will not have your FICO credit score.
Knowing your credit score gives you a benchmark on which to know what steps to take next in self help credit repair.
OK raise your right hand and repeat, I, (say your name) am in one way or another responsible for everything that is on my credit report, either through careless use of credit, good use of credit, or fraudulent or inaccurate activities against me that has not been disputed or removed.
The second step is acknowledgment of your credit report.
Regardless if its good or bad, right or wrong, what you will see in your score is yours for right now.
In self help credit repair, you will dispute the inaccurate listings, try to eliminate the negative ones which are true, and try to repeat the actions which gave you positive listings.
Which leads to the third step, disputing negative credit report listings.
As a rule of thumb, dispute everything negative.
The burden of proof will then be thrown on the creditor to prove its truth.
Credit bureaus don't want to hear that, but they work against you in every way possible, because the creditors pay them more money.
They would rather err on the side of the creditors but sometimes you may catch a break, by a creditor not verifying an old debt within the statutory response time.
To make sure your disputes aren't kicked back by the computer, don't use a template of r a dispute form.
Computers with optical character recognition filter out templates and will reject the credit report disputes before it even reads them in some cases.
Try a handwritten style font if you type it or even hand-write it yourself.
This way a human can read it and maybe make your self help credit repair disputes more of a success.
Finally, after acknowledging you are responsible for everything that is on there, lets try to create more positive listings on your credit report.
Self help credit repair isn't just fixing your credit report, its improving your future credit as well.
Pay down your revolving credit cards, to reduce your overall credit usage, and always pay your bills on time.
These four steps can go a long way in self help credit repair.