DIY Credit Repair: Fix your own bad credit

March 21st, 2007 by Adam | Filed under Credit Monitoring, Credit Repair, Credit Score, Credit Score Tips, FICO Score, Free Credit Reports, Free Credit Scores.

Why Do You Want To Check Your Free Credit Scores?

Check the Situation That Best Applies to You And Then Click the Button Below to See Your 3 Credit Scores Absolutely Free

I want my 3 free credit scores from Experian, Equifax, Transunion that the government does not provide free

I want to apply for a credit card and get a low APR

I am preparing for a major purchase (home, auto, boat) and want to make sure I get the best loan rate I qualify for

Just curious where my credit stands against the average American credit scores

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(Click the button above to see your 3 free credit scores)

Do-it-yourself credit repair checklist

Credit repair
Like
many renovation projects, credit can be repaired on a do-it-yourself
basis. Roll up your sleeves and get started by using this worksheet.

1. Order your credit reports.

• Go to www.annualcreditreport.com, which is the only authorized source for consumers to access their annual credit report online for free.
• Call toll free 877-322-8228.
• Complete the form on the back of the “Annual Credit Report Request” brochure, available from the FTC, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

2. Examine for errors and calculate the exact amount owed.

• If there are errors on your credit reports, see the work sheet “How to fix mistakes on your credit report.“

3. Create a budget.

• Write down everything you spend money on and then cut the fat. Use this worksheet for making your own spending plan.

4. Prioritize bills and pay them off.

• Consistently paying at least the minimum due every month is crucial to building up your credit score. Use the debt paydown calculator to organize.

5. Find products to rebuild credit.

• As debts disappear, or following a bankruptcy, look for products such as secured credit cards to help give your credit score a boost.
• Make sure they report to the credit bureaus, not all do.

Do-it-yourself credit repair checklist (Bankrate.com)

Like many renovation projects, credit can be repaired on a do-it-yourself basis. Roll up your sleeves and get started by using this worksheet. 1. Order your credit reports.

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