Credit Repair Self Help You probably feel like the creditors and credit bureaus have the upper hand. Nothing seams to be to your advantage, it’s all to theirs. So, here is the inside scoop on how to get the credit repair self help you need – to give you the upper hand.

Credit Repair Self Help – Step 1

Order your credit report at www.annualcreditreport.com. You should preferably get a credit report from all three credit reports bureaus, as they will differ (Experian, Transunion, and Equifax credit reports.) Then you need to go through them with a fine-toothed comb. Remember, you can get one free credit report every year from each of the three credit bureaus.

How to read a credit report – Start with the personal information at the top. Make sure your full name, maiden name, and aliases are all correct. Be sure the address is correct, especially the zip code. Make certain the social security number and driver’s license numbers are correct, along with any student ID numbers.

Also check employer information – that the names, dates, locations, and type of termination are accurate. Check your spouse’s information, too. Anything in the personal section that is wrong should be disputed first, because that will make anything else easier to dispute.

After you have checked that your personal information is correct, prioritize all remaining information that is wrong. Handle fixing the biggest influences on your credit report first. This means (in order); bankruptcies, foreclosures, loans, defaults, repossessions, court judgments, and collections (be sure it shows the delinquency date, not the collection date).


Next consider all past due payments, late payments (once again, check dates carefully), credit rejections (be sure the rejection was for you and not someone with a similar name, and also know why you were rejected). Finally, check the credit inquiries to be sure these were from you and not a matter of fraud.

Credit Repair Self Help – Step 2

Credit repair disputing – Start disputing information that is wrong with the credit bureaus reports. Attach your letter to a copy of a current credit report, where you’ve highlighted the information you are disputing. Explain why you believe it is wrong, and include copies of supporting documentation.

Make copies of everything and send them to the credit bureau (each of them individually) by certified mail, return receipt requested. The credit bureau has 30 days to investigate your dispute. After that time, they must either tell you it was validated or remove it from your credit report.

Credit Repair Self Help – Step 3

Clean up your credit report – If there are still items on your credit report that would be helpful to have removed, you can write directly to the creditor, requesting proof that it is your debt. Many times, original agreements with signatures are thrown away and there is no proof. Without proof that it is actually your account, they must remove it from your credit report.

Attorney General’s Office

Give the creditor seven days to get the proof to you. After that time, take action. Contact the Attorney General’s office and let them know that the creditor is damaging your credit with an account that isn’t yours. Tell them you requested proof but they don’t have it – most Attorney General’s offices take these claims seriously.

Small Claims Court

Also, you can take the creditor to small claims court. Sue creditor to have the information removed from your credit report, which will help your credit score. Creditors usually won’t show up to court. If they don’t show up, you automatically win. If they do, they must have proof that it is really your account.

Do you need more Help with Credit Repair Self Help and to Clean up your Credit Report?

If your answer to the above question is yes, then I strongly recommend that you first check out the 37 Days to Clean Credit Review.

The 37 Days To Clean Credit system comes with ready to use credit repair letters, forms, templates and checklists. With this credit repair self help guide, you can delete harmful inquires, late-pays, default accounts, and judgments from your credit report – 135 Points and 19 deletions in 37 days?


Tagged with: 37 Days to Clean Credit • Clean Up Your Credit Report • Credit Repair • Credit Report • Credit Score • Equifax • Experian • TransUnion

Filed under: Personal Credit

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