Having bad credit can cause a lot of people grief, which is why simple step by step credit repair can be most helpful. By educating yourself on self credit repair and following along with the following tips you will be well on your way to accomplishing credit repair all on your own.
The first stop on the road to step by step credit repair is finding out how to contact each of the three major credit reporting agencies (Trans Union, Experian and Equifax) and obtain a copy of your credit report from each agency. This is very important, as it is quite likely that each credit report will tell you something different. Normally a credit report should cost you about nine dollars however if you have ever be denied credit or denied for employment by law you are entitled to a free copy of your credit report.
After you have gotten all three reports continue on in the credit repair process by making sure that all the information contained on them is accurate. Many people have had credit trouble because of mistakes on their credit report and not knowing the steps needed to remove them.
The next part in this step by step process is disputing any possible mistakes on your credit report. You need to be able to provide the credit reporting agency with documented proof that the information that they have is a mistaken that needs to be repaired.
Working on setting up a solid spending plan is what should happen next in this credit repair plan. This way you will be able to start paying off your debts and begin saving for the future. If you are unable to make your payments then contact your creditors right away, this way they know you are serious about paying your bills.
The last tip START NOW improving your credit. This can be done by simply starting a savings account or acquiring a secured credit card that reports to all three credit reporting agencies. This will go a long way in returning your credit to where it should be.