Repairing credit yourself?

 I would like to share steps on how to fix
bad credit. These steps may seem easy,
but they require a lot of dedication, time and patience. I would also forewarn
you that a single mistake on your part, can further ruin your
credit and you may end up buying another
7-14 years for that negative item to stay on your report.

• First step is to obtain your credit
  reports from all credit bureaus.


• Review the reports and locate the negative/incorrect items.


• Once you have located these items, start dispute them with the credit
  bureaus (Be careful here and remember what you tell them; one wrong verifiable
  statement, and your credit file will be flagged)


• Disputed items are removed or corrected. Items that were not re-verified
  are removed.
  
  Helpful Tip: Send disputes during busy times of the year. Delays can be cause
  in verification process if disputes are sent during the first 2 weeks of
  November or last 2 weeks of December.

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