Let no one fool you into believing that you need to get the services of a credit repair company for credit repair. Do it yourself. Truth be told; everything a credit repair company promises to do for you, you can do even more yourself. Truth be told, when you repair your credit yourself, you can pay attention to minute details. On the contrary, credit repair companies won’t. Most credit repair companies have hundreds of clients. There is no way they can do as much as you can considering the amount they charge and the number of clients they have. Let me show you how to repair your credit yourself. So roll up your sleeves and let’s begin.

Order Your Credit Reports

Begin by ordering your credit report from the top three credit bureaus - Equifax, Experian and TransUnion. Since creditors do not need to report to all three, expect to find minor differences in the reports. You do not have to pay to get your credit report. Order your credit report for free once in a year through annualcreditreport.com

Search for Errors

The credit reporting system is not perfect, so expect to find errors. The truth is that if you find no errors, it is very likely you are not looking thoroughly.

Watch out for incomplete and outdated information, incorrect account histories, outstanding balances on loans that you have completed paying, and charge-offs and late payments that aren’t yours. If you spot any such errors, contact the credit reporting bureau immediately and dispute this error. This will significantly boost your credit score.

When disputing, don’t forget to document everything. Keep record of all forms and letters that you send to the credit bureaus. Note the dates every document is sent out. The credit bureaus have the responsibility to investigate relevant disputes within a period of 30 days. When an item is not verified by the creditor, the credit reporting agency removes it.

Prioritize Your Bills; Pay Them Off

When you are down financially, making the wise decision as to what bill to pay off first is very important. Otherwise, you pay off less important bills while important bills like utilities will suffer.

Make a list of preference. Food and medical expenses and other family necessities should come first. The paying off of secured debts like mortgage should follow this closely. Then pay off utility bills, car loan and child support. Put a low priority on unsecured debts like credit card debts. Even though unpaid unsecured debts could still hurt your score, you have not pledged any collateral for them. Paying off secured debts first not only prevent a loss of property, it also helps boost your credit score while putting you in the right frame of mind to pay off unsecured debts later.

Rebuild Credit By Adding Positive Information

You want your on-time payment to reflect in your credit report. So when securing a loan, ask lenders if they report monthly payment history to a credit reporting agency. Not all lenders do this. So ask them to report your on-time payment since this can boost your credit score.

Make it a point to pay on time, every time. Your credit score builds faster this way.

In summary, do not waste your hard-earned money getting the services of a credit repair company. If you are serious about credit repair, do it yourself.

But what if I told you that you can fix your credit yourself in as little as 37 days? Read my 37 Days To Clean Credit ebook review to find out how.

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