FREE  -  We have a powerful ‘fixing credit report errors’ credit section, which includes tons of information and sample letters designed to help you through the process of improving your credit.

The truth about improving your credit score
No one can legally remove accurate and timely negative information from a credit report.  But the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete.  Everything a credit repair clinic can do for you legally, you can do for yourself with the tools we provide here. 

You see the advertisements in newspapers, on TV, the Internet, fliers etc.  They all make the same claims:  Save your money AND your credit standing - don't listen!

The typical “scripts” in the ads…
"Credit problems? No problem!"
"We can erase your bad credit-100% guaranteed."
"Create a new credit identity-legally."
"We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!"

The Majority of These “Credit Repair Agencies” Are Scams
Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is they can't deliver. After you pay them hundreds or thousands of dollars in up-front fees, these companies do nothing to improve your credit report; many simply vanish with your money and potentially even lower your score.

• Obtaining A Copy of Your Credit Report
• Establishing Credit
• Dealing with Credit Bureaus
• Prepare For The Future


• Removing credit report errors and mistakes: Part 1
• Removing credit report errors and mistakes: Part 2
• Removing credit report errors and mistakes: Part 3
• Removing credit report errors and mistakes: Part 4
• Removing credit report errors and mistakes: Part 5

• General Dispute To Collection Agency
• Dispute of Collections
• Dispute To Collection Agency
• Negotiating A Settlement
• If You Haven't Received A Response From A Credit Bureau
• Disputing Specific Items and Inquiries
• Request Reinvestigation of Items That Are Still Showing

• How To Speak With Representatives From The Bureaus