how to get a better credit rating

Using the Fix Your Own Credit program, you will be able to repair, rebuild, and keep your credit clean. Everything a credit repair clinic can do for you, you can do for yourself at little or no cost.

Bad credit might have a very negative effect on your life and cost you serious money.Credit repair requires strong commitment and perseverance so you can start in a clean slate again. But you do not have to despair, since it is never too late to be credit worthy again.

Begin fixing your credit by ordering a credit report. Get it from each credit bureau because when you only get it from one bureau, you will waste time and money.

Creditors do not have to report to all three bureaus - Equifax, TransUnion and Experian. They generally report to one or some to which they subscribed. That is why the information in their reports is different from one another.


You need to carefully examine your report as you get it. Credit bureaus put together your report based on the information they get from your creditors and the reports are never verified. It is up to you to make sure your report is accurate. Things to check in the report are typing mistakes, incomplete and outdated information, and inaccurate histories of your accounts. After examining the report carefully, record all of the errors you would like to dispute and the reasons why.

Your choices now are to write a letter or fill out and submit the argument form you got with your report. It is a good idea to send a copy of the report with errors circled to the credit bureau that provided the report. Also, do not forget to include supporting documents with your report.


After sending the documents and report, do not forget to keep copies of all the forms and the date you sent it. Typically, it takes around thirty days for the bureau to investigate the dispute and to remove all the items that proved to be inaccurate.

When you are ready to rebuild your credit, get the Fix Your Own Credit course. It will hold your hand while guiding you step by step on how you can repair your credit and raise your credit score.

If you would like to know more, click here for free information on Fix Your Own Credit manual