subject: Credit Repair Guide - Self Credit Repair Is Possible [print this page] If you have bad credit, you're not aloneIf you have bad credit, you're not alone. Thousands of people have some form of bad credit. There are occasions that the bad record is due to an error. Regardless of how damaging information appeared on your report, you can erase negative items and rebuild a good credit rating. A good credit repair guide can provide the step-by-step instructions you need.
Having bad credit can be devastating. When you have credit problems, you may feel confused and depressed. Waiting on bad credit to repair itself is definitely not the best thing to do. There are some steps you can take to restore your credit rating.
The very first thing that you should do is obtain a copy of your credit report from the credit bureau so you can see what type of information they have on you. You've got to know what your report says about you. Believe it or not, mistakes occur at the credit bureaus. Examine the report and make a list of the items that need to be fixed.
Next, contact the credit bureau to dispute the items. It is your right to dispute inaccurate, misleading, or unverifiable negative items on your report. Dispute every single item that is erroneous in the report. You want to tell them to delete the negative entries from your report immediately.
By law the credit bureau must investigate and advise you of the results of their investigation. They must provide you with a corrected copy of your credit report.
By using the dispute method, you can erase inaccurate information, old information, and unverifiable information from your credit report.
After deleting negative entries, the next step is to add positive information to your file. There are several ways to build positive credit information. These include using secured credit cards, secured bank loans, department store charge cards and oil company credit cards.
Fixing your credit is not as difficult as you might think. It takes patience and discipline, but you can do it. All the information you need to do it yourself are available. All you need to do is pick up a good credit repair ebook that will walk you through the process.
By following the instructions laid out in the guide, you can erase negative items and establish positive accounts on your own. A good, reliable credit repair guide is a priceless tool that will help you change your credit rating for the better and at the same time save money.
