subject: Bad Credit Repair - How You Can Repair Your Credit On Your Own [print this page] Do you have bad credit? Are you getting turned down for loans, credit cards and other items of credit? If you suffer from bad credit you are like millions of people who have negative marks on their report. Information on bad credit repair is available and you can repair your report if you know how.
A lot of stress comes with struggling with bad record, but there are ways to get rid of negative items on your report. You do not have to live with a bad record or spend tons of money to get it fixed.
You don't need to pay someone else to fix your report. You can learn to repair your credit yourself. If you are armed with the correct information there are many things you can do to improve or fix your report on your own.
First, you need to get your credit report and see what is on it. The credit bureaus charge a small fee for the report. But if you have been denied credit within the past 60 days, you have a right to a copy of your report for free. Also, you have the right to get a free copy of your report per year from each of the three major credit bureaus.
So get started by ordering your report. Once you have your report, check it for accuracy. If you find errors or things you disagree with, you should file a dispute with the reporting agency. You can dispute mistakes or outdated information on your report.
The credit bureau is obligated to reinvestigate your dispute and let you know what happens. If they find the information is not accurate, they will fix that on your report. If it is proven to be accurate information, it will remain in your file.
You have a right to include your side of the dispute in your file if your dispute is not resolved to your satisfaction.
This dispute process is free to consumers so you don't need to pay someone to do it for you. This is one of the methods of removing negative information on your record. There are other powerful methods you can use to get rid of damaging information on your report.
After you have cleaned up negative items, the next step is to build a positive payment history. Once you start building positive record, make sure you pay your bills on time.
There are many valuable secrets, tips and resources that will help you eliminate bad credit and establish a good rating. Find a good, in-depth, reliable guide written by someone who is successful and knowledgeable at credit repair. Once you get a proven guide, all you do is follow some simple instructions until you succeed at getting your record back on track.
