• Get copies of your credit report from all three credit bureaus.
  
  You may close this window and connect to each credit reporting agency individually, or get your 3-in-1 report.
  
  It is important to review all three. Some creditors may only report to 1 or all 3 major credit agencies.
  
  — get a FREE copy of your credit report
  — view all three credit agencies in one report

• Review each report for inaccuracies and negative items that do not correctly reflect your credit position.
  
  Look for collection accounts:
  
  — Equifax lists them at the end of the report
  — Trans Union mixes them throughout the report.
  — Experian gives a brief explanation of all accounts.
  
  If you don't recognize any the accounts, don't assume they are yours.
  
  
  
  Note: retain the services of a professional legal team to handle all credit repair issues: see information
  
  

• Dispute all inaccuracies and negative items in your report.
  
  You can file a dispute online with the individual credit agency. Note that you must file individual disputes with each credit agency if the inaccuracy is found on all three agency reports:
  
  Experian:
  https://www.experian.com/consumer/...
  
  Equifax:
  https://www.econsumer.equifax.com/...
  
  TransUnion:
  http://www.transunion.com/...
  
  
  
  
  Note: retain the services of a professional legal team to handle all credit repair issues: see information
  
  
  
  
  
• You may also send a written notice to each credit bureau using the sample format below:

  Name of Credit Reporting Agency
  Street Address
  City, State and Zip Code
  
  From:
  Your Name and Social Security number
  Street Address
  City, State and Zip Code
  Telephone Number
  
  Date:
  Re: Correction of Errors in Credit Report
  
  Dear (Name of Credit Reporting Agency):
  Please be advised that the following error(s) appear(s) in my credit report issued by your agency on the date of (mm/dd/yyyy):
  

  1	List Credit Name	Identify the Dispute	List Comments (be specific)
  2
  3
  (if you have any documentation to support your claim, forward copies along with your letter)

  Please correct my credit report to remove this incorrect information. (describe nature of error; be specific)
  _______________________________________
  _______________________________________
  _______________________________________
  _______________________________________
  
  Please correct my credit report as soon as possible to remove this incorrect information. You may contact me at the number above if you have any questions regarding this matter.

  Sincerely,
  
  (your signature)

After you remove all inaccuracies, your next task is to remove negative items that affect your score; most notably delinquent and non-payment accounts.

• Contact each individual creditor (or collection company) to negotiate a manageable repayment plan. Explain your financial situation.
  
  Some companies will drop the interest, forgive part of the loan, or offer extended terms that allow you to make reasonable repayments.
  
  Your last resort is to pay the entire outstanding balance in full.
  
  
• Request a written agreement that that the creditor will remove the bad rating on your credit report if you meet the terms of their repayment plan.
  
  Make sure you live up to your agreement. The last thing you want is to fall behind on your repayments.
  
  
  
  
  Note: retain the services of a professional legal team to handle all credit repair issues: see information
  
  

If you meet repayment agreement under Step4, the creditor will need to delete the negative account and change it to a positive rating.

• Make sure you review your report for that change. You should have in your possession the creditor's agreement to correct the credit report. Contact the creditor is there is an error.
  
  Keeping Your Credit Report Clean
  
  Make it a habit to check your report regularly to protect yourself from credit abuse and fraud.
  
  You may consider credit monitoring and protection services to watch and protect your credit report:
  
  — credit monitoring and protection services
  — protection against credit card and identity theft

Is this the right option for you:
use this option if you need help to repair your credit.

This may be the right option if circumstances such as unemployment, loss of income, or other unfortunate event prevent you from repaying your debts.

This option is also recommended if you have collection agencies threatening action. Counseling services can advice and protect you from adverse action.

• Credit counseling services:
  credit counselors will be able to discuss your situation with your debt lenders to either forgive the debt or structure a repayment plan that fits your budget.
  
  They will also work with you to establish a budget that fits your current situation.
  
  Need Debt Relief now? We can help.
  Get free, 100% online debt relief.
  Click here for more info
  
  National Foundation for Credit Counseling:
  http://www.debtadvice.org/