Repair Your Own Credit

by : Francie Achebe

Many people do not have the time, it is like an oil change though, find out how to …

Repair your credit on your own? Yes you can! Hundreds of our subscribers have removed negative trade line items and increased their credit score by using our “Credit Repairing” techniques. By the way, everything a credit repair company can do for you, you can do for yourself at a fraction of the cost.

Now, before you get started, it’s important to know the methods that don’t work and can actually hurt your credit repair efforts. We suggest you read this article: Credit Repair Do’s and Don’ts and we might also suggest you watch our Credit Repair Videos

The information provided on this page is mainly intended to help you fix ERRORS on your credit and clean up those “questionable” items. However, the law does allow you to request an investigation of ANY information in your file that you dispute as inaccurate or incomplete. It is perfectly legal to challenge any trade line in your credit bureau file and there is no charge for requesting an investigation.

The whole key to the credit repair procedure is that if a credit bureau cannot verify trade line information on your credit report within the time allowed by law, they must remove it. For instance, if a collection agency is reporting a collection on your report and they cannot verify the information, the credit bureau must delete the entry.

Credit Repair Strategy

Analyze Your Credit Report get your credit report here, all three reports and scores. Now that you have your credit reports in your hands, time to figure out what it all means. Upon enrollment we over a credit simulation tool that you can use to do this. The free analyzer has been provided to help you figure out which trade line items are lowering your credit score. After reviewing your credit reports, print them out and then highlight everything you see as a negative listing along with what the computer analysis pointed out.

Rank Negative Items

The article in the above paragraph showed you how to decode your report. It covered how to identify trade line items as being either positive or negative. Now that you have your list of negative items, you should rank each item according to the amount of damage it is doing to your overall credit score. Rank the most damaging first, followed by the next most damaging, followed by those items which are neutral. Do this for each report, and remember, they may not all have the same information on them. They may even have duplicate information on them. If this is the case, you will need to write to each credit bureau individually for each duplicate item.

The items here are listed in order of “most damaging” to “least damaging” to your credit:

  • Bankruptcy
  • Foreclosure
  • Repossession
  • Loan Default
  • Court Judgments
  • Collections
  • Past due payments
  • Late Payments
  • Credit Rejections
  • Credit Inquiries


​Also, if your creditor has NOT notified you of negative information they have recently placed on your credit report, they are currently in violation of the Fair Credit Reporting Act. You can use this to pressure the original creditor to remove the listing by reminding them they are in violation of the FCRA by not notifying you.​

Write Dispute Letters to the Bureaus

What should you challenge? Everything – and you should always shoot for a complete deletion. In your initial challenge, don’t dispute the information within a collection listing, charge-off, court record, repossession, foreclosure, or settled account. Save disputing the information within the listing for the next round of disputes. Start off the reason for your initial dispute on a negative listing whenever possible as “not mine”.

What items are the toughest to get off your report? You will have the toughest time getting bankruptcies, judgments, child support and foreclosures off of your credit report as these things are so easy for the credit bureaus to verify electronically through e-Oscar. In the case of a bankruptcy, you most likely will have a few trade lines saying “included in bankruptcy”. If you want to challenge your bankruptcy, you need to clear off all credit lines mentioning a BK FIRST.

Mail Letters Registered or Certified

This is important, as you must be able document when the letters were sent and received. This gives you some leverage with the CRAs if they don’t respond in the time frame required by law. Here are some certified mail tips. DON’T USE THE ONLINE DISPUTING SERVICE PROVIDED BY THE CREDIT BUREAUS. You need to be documenting everything, and you want to make sure that you have a complete record of your disputes.

Document and Organize Your Credit Report Efforts

Now that you have ordered your credit reports, photocopied your dispute letters, kept receipts for mailing them, you need an organizational system to keep track your credit repair efforts. Getting organized is neither difficult nor expensive. Invest in a notebook, a file folder and some pens. Write everything down, as you complete tasks. Why is this necessary? You need to track how long your credit repair disputes take. If the dispute period goes longer than the 30-45 days specified by law, but you can’t prove it, you’ve missed your chance to delete an item from your report. Unfortunately, credit items you have worked so hard to remove sometimes mysteriously reappear. If this happens, it is usually easy to have the items deleted permanently if you show your complete records on the first removal.

Why take a chance? As you proceed through these steps, keep copies and records of all correspondence you send and receive. Copies of all correspondence are a must, as well as notes on all telephone conversations. Also, if you should encounter any special difficulty and would like help in repairing your credit, you will need these records to proceed. Back to the point on documenting telephone conversations: every time you talk on the phone with a creditor or credit reporting agency, you must document the conversation by recording the name of the person to whom you spoke, his or her position, their direct line or extension, the date and time of the conversation, what was said in the conversation, and what was agreed upon. If they don’t offer up all the information you need, politely ask for it.


What Information Do I Need to Put in My Dispute Letter?


Our article entitled “Disputing a Trade Line” lists all the information you will need to include in your letter.


Where Do I Mail My Credit Repair Dispute Letter?



P.O. Box 9701

Allen, TX 75013

Equifax Credit Information Services, Inc.
P.O. Box 740256

Atlanta, GA 30374

Transunion, LLC
​P.O. Box 2000

Chester, PA 19022