Do it Yourself Credit Repair - What is Self Credit Repair Is It Good For Me?

Tips for Fixing Your Own credit

Do it yourself credit repair is probably the most effective and affordable way for you to increase your Fico scores and clean up your credit report. While there are companies that will do this for you many charge large fees and offer no guarantees on their service.

Does Do It Yourself Credit Repair Work

If done correctly it definitely can work and work quickly, however most people go about it all the wrong ways and often times have bad results. These people are the ones who think do it yourself credit report repair does not work and will tell others the same thing.

How To Do It Correctly

The right way to go about removing false, negative and old information from your report is to write a series of properly structured credit dispute letters. These letters will let the reporting agencies know that you do not agree with the information they are reporting about you.

Once they receive these letters they will need to contact the original creditor who will have to verify the information is true and communicate that back to the reporting bureaus. If they fail to prove it or go past the amount of time allowed by law then the item must be removed.

This applies to anything on your report that is bringing your scores down, even if it is true information. the item cannot be placed back on your report unless it is transferred to another company like a new collection agency. But if the account is old this rarely happens.

Where To Get Information To Do It Yourself Credit Repair

One of the best places you can get information to clean up your report is online. There are many books and kits you can down load that are designed for exactly the do it yourself type of person. Just make sure the book or kit you buy offers up to date information along with a detailed step by step plan and professional dispute letter templates.

Additional Self Credit Repair Tips

The process of Self Credit Repair is a fairly straight forward and simple process if you have the right plan to follow. If you go into it unprepared you run the risk of failing or damaging your credit further. At http://www.diycredithelper.com we offer a proven kit that will help you erase late payments and get your credit back on track in as little as 37 days!