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   Credit in Minutes   Credit in Minutes     Credit in Minutes Repair Your Own Credit

Believe it or not, it is possible to repair your own credit. Do not pay attention to those commercials you see on television that tell you the only way to clear your credit report or raise your score is to use a professional company. Those companies are only out to make a profit off of you. Now, you might think that repairing your own credit is a complicated process, but it isn't. It just takes some time and attention.

The first step you need to take to repair your own credit is to get a copy of your current credit report from each of the three major credit reporting agencies, Equifax, Experian and TransUnion. You are, by law, allowed to get one free copy of your credit report from each of the three major reporting agencies per year. You can get your report in one of two ways, either by contacting each reporting agency individually (they each have websites) or by going to, which is endorsed by the federal government. At, you can get your reports from all three agencies at the same time. Most of these companies will allow you to access your reports for anywhere from a week to a month without incurring any further charges. Make sure you keep your information for this on file somewhere, because you might end up needing it.

Print out your credit reports. Now, sit down and go over them. Go over them very carefully. Make sure that all of the information contained in the report is accurate. Make sure the account numbers are correct, that your billing information is right and that each account listed in the report matches your records. Mark down any mistakes you find, no matter how trivial they might seem.

The next step to repair your own credit is to challenge each and every one of the mistakes you have found in your credit reports. The easiest way to do this is through the websites for each of the major credit reporting agencies. The best way is to send your disputes in writing. Most of the websites will have a form you can print out and use. When you send it in, make sure that you send it via certified mail with delivery confirmation. Keep the postcards with the recipients' signatures. By law, the credit reporting agencies must respond to you within thirty days to let you know where your disputes stand and they will send you written confirmation of any corrections that have been made. They are also required to tell you why corrections do not get made, in the event that an account is not corrected. Repeat this step until your credit report is one hundred percent accurate.

Sometimes the agencies get their information confused and sometimes there are glitches in the computer. The time it takes to repair your own credit will vary, but if you are diligent, you will get your credit score up to where it should be.

Credit in Minutes Tip #1

Stay on top of your credit report. Most credit reports contain errors. Make sure you check your credit report every year (you get one free credit report every twelve months) and if there are errors make sure to challenge them with the reporting credit agency. Credit agencies are required to investigate each and every challenge that gets reported.

Credit in Minutes Tip #2

Just because you qualify for all of those credit cards does not mean you should get them. A person with too many credit cards looks sketchy in the eyes of a potential creditor. Think of it this way: if a person is financially stable does he or she need ten different credit cards? Wouldn’t just one or two suffice?

Credit in Minutes Tip #3

The best way to raise your credit score is to make all of your payments on time. It sounds too simple to be true, but that’s all there really is to it. Staying out of debt and/or making all of your debt payments on time will keep your score up where it should be.

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