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DIY Credit Repair - The Best Ways to Clean Bad Credit and Repair Your Credit Report

April 02, 2012 | Comments: 0 | Views: 86

If you are struggling with massive debt loads and bad debt record, then this article is for you. Having a bad credit rating can have a negative impact on your ability to enjoy the basic necessities in our present world. Bad credit makes it difficult to obtain credit items and services such as loans, credit cards, apartments or house, and sometimes, getting a decent job.

As you are now aware, having less desirable credit score can be frustrating. That's why it's very important to learn how to fix bad credit and improve a personal credit rating. Here are steps to getting rid of bad debt record and improving your credit report.

1. Obtain Your Report

The first step that you want to take to fix your credit is to obtain a recent credit report. You need to see the information contained in your report so that you will know exactly what to fix. There are three major credit reporting agencies in the United States. It is a good idea to get your reports from all three of them to see what each one is reporting about you. You can obtain your report once a year from each of these agencies.

2. Review Your Report

Once you have obtained your report, look it over carefully. Credit reports usually contain errors and inaccurate information that reflect negatively on a credit rating. Take a look at all the sections of the report. Write down any entries that are damaging your credit rating. Be sure you do not miss anything.

3. Dispute incorrect information

After you have identified negative and inaccurate items on the report, it's time to start the dispute process. Contact each agency that supplied you a report that contains inaccurate or erroneous entries to dispute the items. Let them know which items you are disputing and why. The agency must look into the matter and if the disputed item cannot be verified, it must be removed from your report.

4. Establish Good Credit

After erasing negative items, the next step is to replace them with good accounts. You can apply for a secured credit card or obtain a small line of credit and make regular payments in order to establish good record. You can also use secured bank loan strategy to raise your credit score. There are several other powerful strategies that can also help you add positive account to your profile.

Repairing bad credit is not difficult if you have the correct information. All you need is a proven step by step guide created by someone who is knowledgeable about effective credit repair strategies. It is also important that the credit repair guide include samples of dispute letters for credit repair.

Want to learn exactly how to get rid of bad credit record, using the most powerful self credit repair tactics and build an excellent credit rating within a short time? Then go to

Source: EzineArticles
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Better Credit Guide


Repair Your Damaged Credit


Debt Credit Repair Help


Removing Collection Accounts

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