Do-It-Yourself Credit Repair (Without Spending a Dime)

Do It Yourself Credit Repair

Michael Delgado, a Social Media Community Manager at Experian, is the author of this post. Michael helps promote financial literacy on Experian social channels and writes for the Experian news blog.

Do you check your credit reports regularly? Credit reports are your credit references, as reported by your lenders. And, unfortunately, some lenders may accidentally report inaccurate information about your payment history. This is why it’s important for everyone to monitor their credit reports regularly and to dispute any information that is inaccurate. Today we wanted to show you a complete guide to do-it-yourself credit repair.

If you need to fix your credit report, here are the steps to take (and online apps you need) to get your credit report updated quickly, without paying hundreds of dollars to “credit repair” clinics. If you’re not looking to repair your credit yourself, then we recommend you go with one of these top credit repair companies.

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Step 1: Request your free credit report from each credit bureau

The Fair and Accurate Credit Transactions Act (FACTA) entitles you to one free credit report each year from Experian, Equifax, and TransUnion and you can get this through AnnualCreditReport.com or by calling 1-877-322-8228.

In addition, you may request a free report directly from the credit reporting companies in certain circumstances. “Under the Fair Credit Reporting Act, consumers who receive public assistance, are unemployed (and seeking employment), or believe their credit report contains fraudulent data, are also entitled to a free report,” says Maxine Sweet, Vice President of Public Education at Experian.

Request your free credit report from each bureau

CREDIT TIP: You can keep a close eye on the credit activity that is being reported for you simply by requesting a free credit report every four months. For example, get your Experian Report in January, Equifax in May, and TransUnion in September.

Step 2: Audit your credit reports carefully

“Remember that credit report information comes from the companies who have accounts with you. The goal is not just to fix your credit report, but to make sure that your information is correct with the source so that it will be reported correctly to everyone who checks your credit references. Reviewing your credit report can help you discover and resolve those inaccuracies,” says Sweet.

Each credit report differs in how information is presented, but here’s a breakdown of what you’ll typically find:

  • Personal  Identification (addresses, employment history, name, social security number)
  • Types of Accounts (revolving, installment, loans, joint accounts, credit limits, debts)
  • Collections (if any accounts went to collections)
  • Public Records (about  financial obligations)
  • Consumer Statement (such as a statement of dispute if you do not agree with your lender about the status of your account)
  • Hard Credit Inquiries (showing you applied for new credit or services)
  • Soft Credit Inquiries (showing requests made by lenders who sent you an offer or that you requested your own report — soft inquiries are shown only to you)

Here’s a sample credit report [pdf] from Experian explaining the different parts of your report:

Audit your credit reports carefully

As you audit your credit report, pay close attention to these areas:

Missed Payments
Your payment history makes up the biggest part of your credit scores, so any past-due amounts or late payments will damage your scores (especially missed mortgage payments). If you have any missed payments on your report that are incorrect, make sure to dispute the inaccuracy because it can make a big impact on your scores. You may need to talk to your lender to find out why your records do not agree about the payment.

Length of Time Using Credit (Depth of Credit)
Many people don’t realize that older credit accounts with good credit history actually help you. It shows you have managed credit well for a significant amount of time. Consider the pros of cons before you close any accounts (if they are tempting you to overspend).

The Variety of Accounts
Having a mix of different credit accounts can help you because it shows you know how to manage different types of credit. Managing a car loan with a fixed monthly payment is very different from managing a credit card where you control the amount you owe and pay each month.

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Recent Credit Accounts
If you’ve recently taken out a loan or credit card, you’ll want to make sure it’s appearing on your credit report. New credit accounts can signal risk (and could lower your scores at first), but the added credit mix and consistent payment history will likely improve your scores over time.

Amount of Credit
It’s important to make sure you’re using less than 30% of your available credit on revolving credit accounts. For example, if you have a $10,000 credit limit on a credit card – you never want to carry a balance over $3,000 because it can hurt your credit scores. The lower, the better. 

So while auditing your credit report, make sure the credit limit assigned on your revolving accounts are accurate – and the amount owed is under 30% of your credit limit. If not, consider requesting a higher credit limit on that credit card to lower your utilization rate. Even better, pay down your balances so that you are only charging what you can pay in full each month.

CREDIT TIP: If you notice any fraud, you can set a fraud alert right away which cautions lenders to verify your identity before opening any new credit accounts. It’s simple to set-up fraud alerts by using  these  direct links to ExperianEquifax, and TransUnion. “You can also freeze your credit reports for a small fee to prevent new creditors from accessing your report. However, freezing your credit reports means you will have to temporarily unfreeze them when you need services, which can be inconvenient,” says Sweet.

Step 3: Dispute incorrect data

There is no cost to dispute any items on your credit report. And you can dispute incorrect information in a variety of ways. Always start with a current copy of your credit report. Then, you can call the phone number on your credit report or use one of the following online apps from one of the following credit bureaus:

Experian credit dispute app

Screenshot of the Experian Credit Dispute App

Equifax credit dispute app

Screenshot of the Equifax Credit Dispute App

TransUnion credit dispute app

Screenshot of the TransUnion Credit Dispute App

“In most cases, you only need to ask one credit bureau to dispute an account on your behalf .. If your lender responds to a disputed item with a correction, they are required to report that corrected information to any credit reporting company to which they provide their data,” according to Sweet.

Some people think that disputing information on your credit report can hurt your credit scores, but that is not true. Disputes are not reported in your history and are not scored.  Disputing inaccurate information is exactly what you should do to help ensure your credit history is correct.  Another myth is that disputing information you believe is inaccurate will cause info to remain longer on your credit. Information is deleted based on the dates of missed payments or when the account was closed, for example.

CREDIT TIP: If you cannot resolve a disputed item with your lender, you may add a “Statement of Dispute” to your credit report explaining  why the information is incorrect. The statement you write must be under 100 words, and should address why the info the lender is reporting is incorrect. For example, “Never missed any payments with [Lender Name].”  This statement will remain on your report for two years and visible to anyone who has permission to review your report.

Step 4: Wait 30 days for removal or response from creditor

When you dispute an item on your report, the credit bureau will contact the creditor to respond to the dispute. If no response is received within 30-45 days, the credit bureau will remove the account or correct the negative information and notify you of the results.  “If you disagree with the results, you may need to contact the creditor directly and provide additional documentation if your records do not agree with theirs,” says Sweet.

CREDIT TIP: If you need additional help with debt or your credit, avoid going to a “credit repair clinic,” which could cost you hundreds (if not thousands) of dollars. Instead, seek out an accredited non-profit credit counseling agency. And, if you know of a great non-profit credit counseling agency, please share in the comments.

Step 5: Request a new credit report from each credit agency

After an item is corrected with one credit reporting company, wait three or four weeks before requesting a fresh credit report from the other credit bureaus. You want to give the creditor some time to report the corrected data. Getting a fresh report will ensure that the item has been removed or updated. You may also choose to purchase a  credit score to see if your risk level has improved.

We hope these tips on do-it-yourself credit repair are helpful! If you ever have any specific questions about your Experian credit report, check out the Ask Experian blog for answers to common questions. And join our weekly Experian #CreditChat on Twitter with credit experts Maxine Sweet and Rod Griffin. (And remember, if you’re trying to pay off debt to help improve your credit score, ReadyForZero can help you get there faster!)

Image 1 credit: Robert Scoble

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  • John S @ Frugal Rules

    Good write up! I have to regularly check my report as I am a Jr and have had several times where my Dad’s info might be included on mine. It can be a hassle to take care of, but well worth it in the end.

    • I never thought about the “Jr.” thing being a cause for credit confusion, but now that you mention it I can totally see how that might happen. Glad to hear you’re on top of it!

      • Most banks routinely ignore any Jr. Sr. reports in pre-screens for this very reason.

  • That’s pretty good tips Ben. Annual Credit Report is a great source to get all 3 free credit reports however you will have to pay to see the scores though. This is why I go to sites like Quizzle and Credit Karma because they will show me my score for free.

    • Yes, I use Credit Karma as well to keep tabs on my score. Thanks, Chris!

  • carol opiyo

    Thanks for the informative article Ben. I have a question. If I use
    up over 30% of my credit limit but pay the balance before the credit
    card company reports the balance to the credit bureaus will that still affect my credit negatively or will it be okay since they will be reporting zero balance. Thanks.

    • In that case, there would be no negative affect on your credit because it would be completely paid off (0% utilization) by the time they even were notified. So not to worry!

      • carol opiyo

        Thanks a lot!

  • Marnica Jeanpierre

    I disputed an inaccurate judgment on my transunion report and it was removed. Will I have to dispute it on Equifax and Experian as well or will it delete it there as well ?

    • Marnica, my understanding is that if the inaccuracy appears on the other two reports you will have to dispute it with those two bureaus as well. But I hope I’m wrong, for your sake!

  • Rusty Bittner

    What if you don’t know if something on your credit report is wrong and needs to be disputed. I was never that good at keeping track of my finances and after suffering a head injury while serving in Iraq, I have trouble remembering most things. What can I do..Please help

    • Hi Rusty, the first step would be to get each of your 3 credit reports at https://www.annualcreditreport.com/. Then look through them and see if anything is listed that you don’t recognize. If you’d like help with this, please email me at Ask@ReadyForZero.com. Thanks! Also, thank you for your service and I’m sorry to hear about your injury. Do you have someone to help look after your finances?

  • jtwebber

    how can I fix my credit

    • Hi there, our credit score resource center may be able to help you: blog.readyforzero.com/resources/credit-score.

  • Mike

    Can I dispute legitimate items so they be off my credit sooner or do I have to wait?

    • If an item is legitimate, then it will stay on your credit report for the usual time (up to 7 years, depending on the item).

  • tree06

    What about credit that is a few years old? I have hear the term “fall off the report”, what does that mean? If some items are say 7 years old, is it worth addressing them or letting them get removed from your report?

  • Bobbie

    Ben, does it help your credit if you have a bunch or credit cards and you close some of them after you pay them off?

    • Hi Bobbie, it helps to pay off credit cards, but it doesn’t help to close them (at least, not usually). The reason is that “active” accounts are weighted more heavily than closed accounts. Of course, if you believe you’ll be tempted to spend more, then it might make sense to close the cards anyway. Here are some more resources to help you:

      blog.readyforzero.com/resources/credit-score/

      http://lifehacker.com/5834187/10-ways-you-can-improve-your-credit-score-right-now

  • medicinehands

    I have several old collections on my report. Should I pay them all off at discounts, or is it better to pay it of slowly, in payments.

    • Hi there, how old are the debts? The reason I ask is the negative impact of an old account will eventually fall off your credit report. If the accounts are just a few years old and you are planning to pay them off either via settlement or via monthly payments, then you have a decision to make. If you pay them at a discount (with a settlement) that could hurt your credit score. If you pay it off in full, it may take a long time. Ultimately you have to decide which option works best for you. Good luck!

  • Alli Danger

    If I have an account with a $0 balance but it’s showing as a negative account, how does that effect my credit and how can I fix it?

    • Hi Alli, if the account is showing up as having a negative balance and that is being reported to the credit bureaus, then it could hurt your credit. You can start by contacting the lender and trying to find out why it shows up with a negative balance. There might be an error in how they are reporting it. You can also initiate a dispute with the credit bureau.

      • Alli Danger

        Thank you! I called one place and they said 7 years but called another and they said possible error so I’m crossing my fingers it gets removed. Can I ask one more question? I have 3 medical bills from the same occurance that are over 2 years old, should I call and see if they will take a settlement offer or would it not make any difference on my credit score? Thanks!

  • Mika

    Hi Ben thanks for the info, very helpful. I have a question, is student loan debt different from other debt. Meaning does statue of limitation apply? Does it fall off your credit report after a certain period of time?

    • Hi Mika, there is a difference between private and federal student loans in this regard. Federal student loans do not have a statute of limitations. Private student loans do have a statute of limitations, and that depends upon: which states you could be sued in; how those states categorize the debt; and the time frame for each state’s statute of limitations for that debt. Also, as a quick note, federal student loan default can lead to garnished wages. Best of luck!

  • Katied

    There is a line of credit on my account with Bank of America that is not mine. It was opened when I was 11 years old. When I first started monitoring my credit I noticed it and phoned BOA they could not find it…? Its always been in good standing and is still active. I assume its actually HELPING my score…but its not mine?! What should I do (if anything)

    • Wow, that is very surprising! I’ve never heard of that before and frankly I’m not sure what the best approach is. Have you tried the dispute process outlined in Step 3 in the blog post above? That could be one place to start.

  • Phebe

    Yes I would like to know if their is ways you can stop a judgement that put against you if you don’t feel you owe money and how can you do so.

    • Hi, yes, I believe you can fight a judgement. If the judgement was rendered against you via the court system then you will need to fight it in the court system. For that, you may need some legal help. It would also depend on your particular situation. If you have more questions about this process, let us know.

  • LZ

    How can I get Hard Inquires taken off my credit report?

  • Bee Jay

    How long after Chapter 7 do items remain on credit report. Is there a way to get Hard inquiries off that should have dropped off but did not?

    • Hi, usually it would be 10 years after a Chapter 7 bankruptcy. If there are errors or inaccurate negative marks on your credit, you will need to dispute them: blog.readyforzero.com/do-it-yourself-credit-repair/.

  • Bee Jay

    So, is what I am hearing is that the only way to change my credit score after bankruptcy is good credit? Any idea what Lexington law can do?

    • Hi Bee, there are a lot of different things you can do to improve your credit score. This resource center can help guide you: blog.readyforzero.com/resources/credit-score/.

      As for Lexington Law, some people find them helpful but they also charge a pretty high amount, so be sure to research their services carefully before signing up.

    • Joe

      If the credit bureaus are reporting the
      Post bankruptcy information your reports which is doubtful as they are not in the business to fix your credit button ell you info to you and others. You will have a 2nd chance. Building new credit with revolving credit cards and perhaps an installment loan will build up quickly as you are on what would be called a different score card. The post BK card. Also since you can’t file BK for another 7 years you are a better risk than those that are starting out for the first time Don’t go I to debt to get good credit but do establish positive credit card accounts. Start with one and add another couple in Insuing years. Keep balances at 1 percent of you limit for best credit score. If you don’t know if the information is correct seek out a professional to look at it. And do not do online investigations. They only benefit the enemy. The 3 bureaus.

    • Jen Travis

      I used Lexington Law for about 6 months. I wasn’t totally satisfied with the results. I paid over $500 and my score is reporting very little change.

  • Bee Jay

    Which credit report can you actually dispute problems electronically. Oh and thanks Benjamin. You are the bomb.

    • Thanks so much! You can dispute any of your credit reports – this post describes the process in more detail: blog.readyforzero.com/do-it-yourself-credit-repair/.

      • Jerry

        Negative. Experian has always been a problem for me and i think i have a mixed file. The agency is severely in violation of fcra as they have never, EVER responded to my repeated disputes over the years. Basically, im a dog and they are the boot. Ive spoken to many ppl about this, and numerous credit repair agencies have refunded me, also not being able to solve the issue. As a result, im 42 years old and debt free. I also have no assets. I hate your system (American). I call it yours because i recuse myself from it. Ive detatched and certainly dont want to be identified as having anything to do with this shopping mall of a country youve created. Embarrassing.

        • Haynes Jones

          if you truly need to repair your credit score contact dejatech007@gmail.com , he helped me fix mine in few hours tell him Jones refereed you

          • Jerry

            I will do that. My credit is ok. I just need a winning procedure to get one or two thi gs removed.

          • Haynes Jones

            hit him via mail at dejatech007@gmail.com please tell him jones sent you thanks and his service is just few hours before completion , looks like magic to me when i saw it , now i can buy my house . all thanks to him ……

          • Haynes Jones

            mail dejatech007@gmail.com , tel him jones referred you to him , he fixed my credit in few hours just like magic…

          • Carole Perez

            that seems to good to be true, i may not be an expert but i do know credit repair is generally a process and can not be done with in a few hours unless doing something illegally such as a freeze, I’ve used a company called Credit Advisors Group LLC and are very affordable. They work extremely quick as well and will not make false promises.

          • jeffery

            I’m yet to believe how it is possible But it feels so good.There is a qualified and ethical hacker ( Globaltechnologies46@gmail.com ),who can help to improve your credit score…he helped with my. Contact him and thank me later.

          • Jessica Graf

            Thanks to you for referring me, he’s a very good hacker…

          • Krystle Durden Hopkins

            Hello how do I contact this person that helped you on your credit score

          • Haynes Jones

            hit him via mail at dejatech007@gmail.com please tell him jones sent you thanks and his service is just few hours before completion , looks like magic to me when i saw it , now i can buy my house . all thanks to him .

          • Haynes Jones

            mail dejatech007@gmail.com , tel him jones referred you to him , he fixed my credit in few hours just like magic…..

          • Carole Perez

            that seems to good to be true, i may not be an expert but i do know credit repair is generally a process and can not be done with in a few hours unless doing something illegally such as a freeze, I’ve used a company called Credit Advisors Group LLC and are very affordable. They work extremely quick as well and will not make false promises..

          • Haynes Jones

            contact him at dejatech007@gmail.com tell him jones referred you .

          • Jeff Anders

            I am confident wymandustyn@gmail.com is none the less very reliable in handling this issue , my credit score is higher than what it used to be at the time i found him out; he can be of great assistance.

          • Derek O’conor

            Thank you

          • Kerry Taylor

            this was very helpful indeed.
            thanks

          • lewis marry

            you can send him an email dejatech007@gmail.com please tell him marry referred you . i wish you good luck too .

    • Scott

      Good Advise!!

    • Evelyn Becks

      Finding the right Credit Score Consultant goes a long way in establishing your credit footprint.
      DID YOU KNOW ?
      – You are paying up to 60% more for car insurance if your credit score is less than a 675?
      – You are paying up to 50% more interest on credit card payments if your credit score is less than 675?
      Am 780 and I am Proud about it .
      Accessgranted AT bk DOT ru Got my Credit Score Raised . I think they can help you

      God Bless.

    • Katherine M Babineau

      if you need to repair your credit score hire spygenius.hack AT gmail DOT com , they helped me fix mine in about 48 hours, you can tell them i refereed you

    • Mark Woods

      1. I find it very hard to believe that some random guy over the internet will help you boost your credit in a few minutes using “hacks” cmon..that’s plain stupid. Don’t make the mistake to contact them. Most probably they will reply to your email asking you to complete something online, like a credit score offer, and that will actually do you more harm than good.

      2. Any credit repair company that asks you money before they repair your credit is a SCAM. It says in the Credit Repair Organizations Act, a federal law: “Credit repair companies may not take consumers’ money until they fully complete the services they promise.”

      3. The best way to fix your credit is to do it yourself, with a little research is not hard at all. Read this book on how to boost your credit score by yourself, it’s a free book. Here is the short link, remove the [ ]: bit[.]ly/legal-credit-fix

  • Bee Jay

    I am going to follow your advice. You have given me more insight than I have been able to find since I filed bankruptcy in May. God Bless you and keep you.

    • I’m so glad it was helpful! Good luck, and let us know if we can answer any further questions.

  • cheryl

    ok so theres no point in paying off charged off items correct? just items still in collection? and if i pay them off and it still stays on
    how is that helping?

  • Mharie

    Hi Ben, I just recently settled most of my credit cards but all been paid off. Some of my other credit card was closed by credit company. I only have one credit card open and my bills are all paid on time, do u think that will help my credit? In two years, I’m planning to refinance my mortgage, do u think I will have problem refinancing???

    • It’s very hard to predict whether you’ll have an easy time refinancing, without knowing more about your situation. However, I’d recommend getting a copy of your credit reports from http://www.annualcreditreport.com and perhaps checking your credit score with ReadyForZero or CreditKarma. This will give you an idea of where you stand and how good your credit score is. Then, if you still want to improve it you’ll have a bit of time to do that. Our resource center can give you some tips on improving your credit: blog.readyforzero.com/resources/credit-score/.

  • Joe

    Doesn’t disputing online with bureaus waive some of my rights? Like the right to a response within 30 days turns into 45? And i waive the right to a method of verification which is being able to ask the bureau whom they verified it with? Which I believe is important when the bureaus answer verified. Also I noticed you appear to work for Experian. Doesn’t Experian gain from you suggesting online disputes is how to do it? When consumers enter the data for Experian so that the information we enter goes directly into e-Oscar? With Out attachments? No real personal will ever see my dispute? Only a computer will investigate it and I’ve even waived my right to a response in 30 days and can’t ask for whom you verified this listing with? In one of your replays you suggested to us credit karma? Isn’t that a data mining site? That only gives Vantags scores and shows one credit bureau not all 3. And in their contract my damages that they or the buyers of my personal data are limited to $10 and I can’t be involved in a class action law suit and waived my rights for a court action? I find your posts an act of deception at best and that is a violation of the law

  • familyfirst.luv

    question if an acctount made it to collecting is it good to settle for a percented or pay the whole amount?

    • It’s up to you which one you pursue. If you settle for a fraction of the outstanding balance, then that will be reflected on your credit report for up to 7 years. But that doesn’t mean you can’t rebuild your credit score during those 7 years. It’s just that the settlement will continue to show up on the report.

  • Jae

    .,

  • Jae

    Question I filed bk chap 7 in 2012 due to me being off for maternity leave then 2 years later I got laid off

    • No, I don’t think it’s hopeless. The bankruptcy will stay on your credit report for a number of years – up to ten years. If you want to build your credit in the meantime, then by the time the bankruptcy is off your credit report, you may have a good credit history again. Good luck!

      P.S. However, if you think building credit will only lead you to rack up more debt then I would not recommend it. If that’s the case, it may be better to just live without credit.

  • La Inolvidable Mara

    Benjamin Feldman Hello I have a question I recently got a car from a dealer from JD Byrider 1 because I’m in need of a vehicle but mainly I went to a dealer to help rebuild my credit but now alot of people are telling me that car loans are not a good way to rebuild credit because it acually only adds a few points to your score no matter how much the loan is for is this true?

  • igor g

    I have a question is there any way to remove late payments from years before??

    • Deb

      Hello,
      You can write Explanatory letters with dates late to explain why you were late, you may need to provide documentation as well.

      • Juanita Juniper

        Will a credit score increase if you a credit card company will remove late payment history? Do they have that authority?

        • Chris D Cash

          Yes, your score will increase, how much and how quickly depends on a number of factors. The biggest of these are total number of delinquint accts., exactly how they alter the information, and, to a lesser extent, but easily top 3, the age of the delinquency removed. Older information has less effect than new information. So, the first step is not to let ANYTHING get 30 days over from now on. That has been the rule for us for several years. We are 100% self-employed, cashflow is always changing, and unexpected expenses are generally bigger and more common for people like me. So, from time to time, we have to let things slide a bit… but we never let any account get 30 days past.

  • Christie

    Can anyone recommend someone for free credit counseling as suggested above? My issues are minor but I am lost.

  • sarahruth

    Why do I have bad reports on my report from 2 credit card debts that went delinquent in 2006? Now I’m 33 and thought they would have fallen off. On one of them it even has a random OK in 2011 (as though a payment was made) from a collection agency. I know I didn’t pay them, is this something I can dispute? thanks for the tips!

  • Paying your bills is not the mantra to earn good scores in your credit report. Rather paying your bills much before you are marked a defaulter is the golden way to gain credit score.

  • melanie

    can you get reports on your credit from old accounts that have been paid off or refinanced (old credit cards and students loans) removed from your credit report?

  • Liz

    I disputed address I don’t say any more is that ok and phone numbers and employers will this hurt my credit or approve it

  • Don

    Hi Benjamin,

    I have to disagree with some of what you are saying here. There are ways to remove things like hard inquiries and legitimate debts from your credit history. Collectors have been abusing the system for years and working in the “gray” areas of the law for years, exploiting loopholes and “interpretations” by the FTC and State Attorneys General for their benefit. Some of the ways that these things can be accomplished is by looking very closely at the laws to see where the loopholes and gray areas are for us, the consumer. Some of us aren’t intelligent enough to translate written law, but there are others out there that do and will share what they know.

    I know for a fact (having done this myself personally) that a hard inquiry can be removed simply by disputing it with the agency that is reporting it. They have 30 days in which to respond and they HAVE TO respond in a very specific way, if they don’t, they have to remove the information and if you word your dispute carefully, they can’t reinsert the information later.
    There are many websites and forums which talk about this, but they have to be careful so they aren’t held liable by the government. Its funny, the laws are here to protect us, but they seem to work more in favor of the thieves and scumbags since they don’t care about the law anyway.

    Anyhow, I can go on for hours about how dirty and nasty creditors and collectors are, but I will say this, I used a set of sample letters and the instructions from an ebook I found that covers a lot of this and has helped me to resolve most of my debts already… one other things I have to disagree with, it isn’t possible to do this “without spending a dime”. If you really want results, you will need to at the very least pay for a stamp on the letter you need to send to get it done. I have to say, I am a little disappointed that this article wasn’t more accurate.

    BTW, the guide I used was Weathering Debt and I found it at Etsy.

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    Miss Nancy Leonard(MD).

  • Terrell

    Hey Benjamin, I’m trying to remove hard inquiries do I send letters to the creditors are bureaus?

    • jeffery

      Hey Terrell contact this qualified and ethical hacker ( Globaltechnologies46@gmail.com ) who can help to resolve this problem…he helped with my. Contact him and thank me later…he’s 100% …I guarantee he is for real..Tell him Jeffery Adernson referred you.

  • Tami Henderson

    I have some medical judgements and collections on my credit as well as late pymts. I am wanting to know how and what i can do to repair my credit so i can sign for a student loan.
    Thank you

  • Julie Glidden

    Ben, this is a very helpful post. I have directed dozens of clients to your article because you have set forth easy-to-understand steps for improving credit. You provide a great starting point with useful information and links. I commend you for sharing your expertise. Thanks so much!

  • dreaschicshop

    What if you don’t have anything to dispute and everything is correct on your credit report? Do you just have to pay them and wait years for your credit to improve?

    • Chris D Cash

      Yes and no. If everything you are positive everything is correct, all you can do is negotiate. First, let’s assume EVERYTHING is correct… you can often negotiate a lower pay-off, as well as what is called “paid for delete”. Make sure you have it in writing, but information suppliers can request the information they have provided be removed… every case is different. But, most will take a lump sum for far less than the amount owed and give a “paid for delete” as most collections are purchased for 5-10% of the original debt. Another tip, get to the original creditor… they will usually be the most lenient. BUT, never hurts to be SURE everything is correct. It is their responsibility to prove you agreed to the original debt, as well as any fees. Depending on how long it has been, and the amount, chances are it will cost them as much to dig through the archives to provide this proof… You want to be careful, if you just dispute everything with the reporting agencies they will likely label them as frivolous. Start by requesting copy of original signed contract agreement, itemized statement, original charges, etc. from the collector(send request certified mail w/ return receipt). In 2 weeks send another, referencing the first. If they can/will not send proof of debt, terms, and right to collect, within 30 days, send copies of the letters and return receipts to the reporting agency and they will likely remove, at the most, they will ask why they have not complied with the law, and remove in 2 weeks.

  • Holly Holland

    When the equifax app asked me to answer some personal information to confirm it’s me, I couldn’t remember one of the questions and I chose the wrong answer. Consequently it wouldn’t allow me to go any further. Now I remember what it was but equifax won’t allow me to try again. Is there a time period I have to wait before it will let me log in? I have inaccuracies I need to dispute so how do I get in now?

  • Mara G Stancavage

    I have a credit score that is too low to get a good loan. I have no bad debts and I am planning to send and explanation to Experian an explanation. What I need to know is what actions can I take to improve my score and will it get better by itself over time. I have no outstanding debts.

    • Rachel Moore

      i would strongly suggest you send an email to realcreditscore@tutanota.com he has helped me and my friends get through alot he is trustworthy

  • mike

    I’m 26 my credit is horrible my goal is to rebuild it. Do you have any tips for me to attack this I desperately need some advice.

    • Rachel Moore

      hey mike realcreditscore@tutanota.com changed my credit score and helped with alot of financial problems and since i tried him I have been in trust just send him an email and you wint regret it

  • david gallant

    will this run my credit to get the free report because I have quite a few problems on my account because I have accounts on my credit from 2005 and I have an account that I don’t even remembering applying for how can I see who that is and how can I remove accounts from 2005 to 2007 off my account

    • Dianna Gray

      I can entrust easyhackghost@protonmail.com who helped repair my credit score within 6 weeks i hired him. He removed all hard inquiries, late pays, accounts on collections with Federal tax lien on my credit score report. He clear off my credit card debts, upgrade card advance limit with 0% interest. He also fix/repair high school transcripts and universities grades. Feel free to contact him at (easyhackghost@protonmail.com) if you still crave for salvation on credit card debts or credit score report.

      • Ann Burns

        Can you only reach him by email?

        • Dianna Gray

          He should be able to provide his contact number when you reach him via email

  • david gallant

    I need help

  • Gnosis Media Group

    Raise Your Credit. Only Pay For Deleted Items. Call (877) 363-1882

  • Jay

    I have a foreclosure on my credit record from 2000 . Will I be able to get a loan to purchase a new home? When?

  • Eric Arthur

    First I’d say find a company that will only charge you when they
    actually are able to get negative items off your report. Call this
    credit repair company which will tell you who does this: (877) 363-1882

  • Elexis Jordan

    How can I correct an account on my score that my parents took out and never paid when I was younger?

    • Dianna Gray

      You can get help from easyhackghost@protonmail.com

    • Debbie Clarke

      Hello everyone! If yo­u wish to raise your ­credit score to any l­evel within a short period of time, conta­ct ecodatasolution@dr.com  , he’s legit, tested­ and trusted. Tell him i ref­erred you, I’m pretty­ sure he’d will help i still don’t know how they did it but they did it is thing that has ever happened to me.

  • Lisa

    My loan was paid in full_I have a letter from loan company how do I bring it to someone attention ?

  • Shirley Chang

    I went from a 640 to a 800 credit score over the time of 8 months and after the credit score increase was able to refinance to the lower rate.

    The way RentReporters works is they will report your rental history and rental payments. The first time they will report 2 years of your rental history, after that your credit report will get updated each month you pay your rent on time. They will continue to report your rental history each month and with each month your credit score will increase.

    They also currently have a promotion for $20 off their signup fee not sure when it will expire.

    The coupon code is TMUK

    • Chris D Cash

      Just went to the site… they said it did not effect your actual score… just shows history… but this would be helpful for people who do business with small banks, are planning to move, or in my case, buying a property on contract.

  • lynda walker

    Should I pay off medical bills from 2013? will it help my credit score if i did?

  • Tony Rose

    If i have an open account for 7 years and did not make payment should i pay it in full

    • Rachel Moore

      hello tony rose i can recommend realcreditscore@tutanota.com he helped clear my credit score debt and all i did was send an email to him he is trustworthy

  • tara gilbert

    are u worried about bad credit score ? contact captainredeye.hack@hotmail.com to help u fix ur credit score todayY

  • Navydium cooper

    this days, the do it yourself isn’t just enough. you need to give it to someone who earns a living off repairing credit to do it because you will never have the same technical know-how that he has as an experienced professional. do you want to have a better credit? it will not cost you anything to contact iwillrisetothetop4sure[art]gmail[dot]com for everything credit repair. she has her own channel on youtube and a loyal database of customers. she shares credit repair insight that provide significant inpact on your credit but asides that, she also can directly help you handle your credit. m,y life changed in two weeks, i used to live hand to mouth without any income i can save but all that is no more even though that was still a month ago. do not waste anytime at all okay? just do it, reach out to iwillrisetothetop4sure@gmail.com , she is very straight forward and transparent

  • Haynes Jones

    if you truly need to repair or boost your credit score contact dejatech007@gmail.com , he helped me fix mine in few hours tell him Jones refereed you..

  • demetria banks

    I have 2 public records on my credit report from all three credit agencies. I contacted each on once it was paid and also got a release letter stating they were paid from the courts and asked them if they would delete it off of my credit report Experian deleted it within 24 hours… but im having a problem with the other two they keep telling me it has to stay 7 years I know that they can do it if one did it what can I do from here?

    • jeffery

      Hello…contact this qualified and ethical hacker ( Globaltechnologies46@gmail.com ) who can help to resolve this problem…he helped with my. Contact him and thank me later…he’s 100% …I guarantee he is for real..Tell him Jeffery Adernson referred you.

  • Brian Ortiz

    My problem started two years ago when my wife got seriously ill, i used up all my savings to pay up for the hospital bills and i also had to go way beyond my credit to make my her better. After it all i found out i was owing thousands of dollars in my account that i had to pay back but there was no means to do that so a friend of mine at work introduced me to this high profiled hacker who helped me clear my debts in a week. I’m writing this just to show how much grateful i am to BIRDEYE dot HACK at GMAIL dot COM for taking me out of the hole. Email him today and be glad you did.

  • jessica stafford

    I have one credit card that I pay off every month and never charge more than 20 percent of its limit. My house, vehicle, etc. are all paid for. I spend very little as I need little. I have been frugal all my life and now I find a credit score of 500. I don’t owe a soul and am very careful with my money. I just don’t understand why I am penalized for that..I contacted a credit scoring firm to figure this whole thing out for me but got turned down several times not until I read about a well recommended private investigator..He is all over the internet and nobody has ever spoke negative of him…I took a leap of faith and gave him a try..He boosted my scores and I can’t thank him enough..He’s blunt and honest..And he respects whatever agreement you make with him..You all should give him a try for your credit score boost..His contact details are cagedpeter@fastservice.com

    • luis

      im glad you tried him

  • Gabriel Dan

    I can vouch for jacksonfieldfixes they helped me increase my credit score. Never thought I will find myself in such a financial mess until he came to my rescue. I wanted a truck but couldn’t afford it because my credit score was bad. Now, I get double the limit. Contact him jacksonfieldfixes@fastservice.com. You won’t believe I have a score of 760 now. I’m not sure how they did it…but they did.

  • lewis marry

    if you truly need to repair your credit score contact dejatech007@gmail.com , he helped me fix mine in few hours tell him Jones refereed you,He is a certified ethical hacker and a systems programmer

  • lewis marry

    if you truly need to repair your credit score contact sj916936@gmail.com , he helped me fix mine in few hours tell him peter refereed you He is a certified ethical hacker and a systems programmer

    • Terri Robinson

      Hello @paysomdee:disqus how much does something like this cost?

  • jeffery

    If your credit score is not as high as you want it to be, then you need to contact this genius hacker (globaltechnologies46@Gmail.com) …he’s 100% …I guarantee he is for real..Tell him Jeffery Adernson referred you. He would respond promptly.

    • Ez Inkk

      Is this real?

      • Cheryl Sand

        Godeyeviewhacker AT hotmail DOT com is the realest hacker alive! I have used him twice and he’s a legit good hacker!

      • Kate Smith

        Contact him he’s real i just used him…

    • Kate Smith

      Thanks to globaltechnologies46@gmail.com he helped me with my credit…he’s so sure..

    • Jessica Graf

      Thanks to you Jeffery for referring me, i contacted globaltechnologies46@gmail.com and he was able to help me…

  • Kate Smith

    i can guarantee globatechnologies46@gmail.com 100%…he helped with my card score problems…i recommend everyone who which to improve their score or who which to solve any problem to contact him.

  • Ann brain

    I got some public records on my credit report from few credit agencies. I contact each one and i paid for there service my score still remain the same,i was worried and i decided to go through some blogs also express my feeling to my old friends.i was finally referred to this captain spy,those i explain my last experience to him and he told me to have faith in his work,i gave him a try and my score finally increase to 750 plus excellent within 48 hours and i have promise to recommenced him to the world if he increase my score to my satisfaction.(darkwebcyberservice@gmail.com),is the best hacker and i really gain what i paid for.

  • anna

    I got some public records on my credit report from few credit agencies. I contacted each one and i paid for there service my score still remain the same,i was worried and i decided to go through some blogs also express my feeling to my old friends.i was finally referred to this captain spy,those i explain my last experience to him and he told me to have faith in his work,i gave him a try and my score finally increase to 750 plus excellent within 48 hours and i have promise to recommenced him to the world if he increase my score to my satisfaction.(darkwebcyberservice@gmail.com),is the best hacker and i really gain what i paid for.

  • Davis Walker

    You don’t need to look else where for a qualified and ethical hacker ( forbestechnology007@gmail.com ), he can help hack into any firewall, Facebook, viber, text messages, whatsapp, icloud, clear criminal records, bank hacks, help boost credit scores. He can also help you check and catch your cheating spouse, track location, among many others. just contact him on forbestechnology007@gmail.com he is 100%… Try him out, I guarantee he is for real wastes no time on your job..Tell him I referred you.

    anita

  • david

    If you need to fix your credit score , remove any form of collections or depts, employee’s honesty,recover your email passwords,social networks(i.e Facebook,Twitter,IG),change your school grades,clear your criminal record, gain access to bank accounts,boost credit card score contact superbkinghackss007@Gmail.com he helped me boost my credit score perfectly, just tell him i referred you for a quicker response

  • Helen Betty

    If you are looking for a professional Hacker that is specialized in changing Credit Scores Repair, School Grades, Facebook, Instagram, Email account, Mobile phone Hacking, Removal of name from criminal record, removal of links from website. His jobs are secured and without trace. Contact: netsolvetechnology@gmail.com..Tell him Andrea referred you.He would respond promptly.

  • John Holt

    I’ve just used this guy’s services and he’s a legit good hacker, He help me delete my criminal records and increase m credit score, He can handle social network hacks, Cell phone number hacks, Facebook hacks, Instagram hacks, websites hacks, deleting of criminal records, all types of smartphone, tablet portable device hacks,emails and school grade hacks, he’s actually the real deal, I was initially skeptical as I already got scammed before but he did come through, his email is Godeyeviewhacker AT hotmail DOT com or (513) 453-6539 For any hacking services contact Godeyeviewhacker AT hotmail DOT com or (513) 453-6539. He;s the best hacker alive

    • Cheryl Sand

      Thanks John! I have used him twice and he’s actually the real deal! I’ll implore you all to get to him because he’s the only real and legit hacker here and he’s affordable as well

    • Deborah Elis

      Yes! This is so true! I contacted him as well and he help me delete the negative items on my reports and help me increase my credit score to 750 excellent plus

  • Kevin Thomas

    I am a witness to a legit pro hacker of grandbasedata@techie.com If you need to hack into any database, delete record, improve credit score , phone and other database jobs as long as it’s hack, they are great, you won’t be disappointed at all.

    • Terri Robinson

      Hello @disqus_nRd2v2nM6D:disqus what fee is involved if I need to get some things off my credit?

  • Crystal C. Tabor

    My recent experience made me understand that the credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment property (my third property including my home), my score was in the mid-600’s. I had four late payments, which hurt me, but the lenders actually looked at my report and refused me a loan..I explained this to my hacker buddy who I met recently and he helped clean my report and took out all of the negatives and late payment..I simply can’t thank him
    enough..Contact him today and tomorrow you will be glad you did..His work mail SPYGENIUS.HACK at GMAIL dot COM

  • mike

    I was able to raise my score 55 points by reporting my timely rental payment history to Transunion. I used Rentreporters and had a overall good experience. They verify your rental payment history and report the last 2 years to TU for you. I signed up on their website, and gave my landlord a heads up and they called him and it was on my report as a tradeline in just under 2 weeks. Its pretty cheap compared to credit repair, its $49.95 with coupon code MSC7 and they have a money back guarantee. I would recommend them. Good luck everyone!

  • mike

    If your renter do what i did, I was able to raise my score 55 points by reporting my timely rental payment history to Transunion. I used Rentreporters and it was fast and hassle free.. They verify your rental payment history and report the last 2 years to TransUnion. I signed up on their website, and gave my landlord a heads up that theyd be calling for rental verification and it was on my report as a tradeline in just under 2 weeks. Its pretty cheap compared to credit repair, its $49.95 with coupon code MSC7 at checkout and they have a money back guarantee. I would recommend them to anyone. Good luck everyone!

  • walker

    If your credit score is not as high as you want it to be,then you need derkwebcyberservice@gmail.com…i guarantee he is for real because i remember when i was in bad shape with my credit score of 567 dark web brought me up to 750 plus excellent result within 24-48 hours to get it completed.please don’t get caught up out there.i will advice you to get hold of derkwebcyberservice@gmail.com so you can also recommend him and share yours testimony too just like did to the world.

  • walker

    If your credit score is not as high as you want it to be,then you need darkwebcyberservice@gmail.com.i guarantee he is for real because i remember when i was in bad shape with my credit score of 567 Dark Web brought me up to 750 plus excellent result within 24-48 hours to get it completed.please don’t get caught up out there.i will advice you to get hold of darkwebcyberservice@gmail.com so you can also recommend him and share yours testimony too just like did to the world.

  • smith

    Good day to you guys out there and i am here to share a testimony to the world about this great hacker called Dark Web.He help i and my wife to repair our credit report when we were in need of it.we also explain to him about the negative items on our report and we were told to wait for 24 to 48 hours and we finally got excellent result and i have promise to recommend him if he also increase my score to my satisfactions i now found..darkwebcyberservice@gmail.com and i do recommend his mail when it’s come to hacking service. darkwebcyberservice@gmail.com is the best and reliable.

  • Cheryl Sand

    Godeyeviewhacker AT hotmail DOT com is an expert in repairing and increasing credit score! He’s the bomb in anything related to credit issues. My credit score was below 550 when i get to meet him and tell him my credit issues, He helped me hacking into my credit and help me remove all the negative things i have on my credit report and he also help me increase it to 780 excellent plus and all is done in the range of 48 hours. His services are cheap, affordable, fast and reliable because have used him as well as my friend has done the same so i’m confirming to you he’s real and legit. get to him on his email Godeyeviewhacker AT hotmail DOT com. He’s the best for the job. He’s the best man for the job

    • Deborah Elis

      This is so true about the godeyeviewhacker! I finally admit he’s the best man for the job. He help me as well and i have my testimony above

  • Andrea Philips

    just incase you need to fix your credit score or clear any dept or records you can get to this new organization fixing credit score on creditscorerepairplc@gmail.com they can help you with that am very sure that i just confirmed it now so get to them if you have any credit score issue on they will respond to you

  • Kate Smith

    thanks Andrea Philips you have been so much help here so far thanks for
    the information yes i have once tried the credit score repair
    organization and they are really good to work for people so you can also
    get to them on creditscorerepairplc@gmail.com they can surely fix any
    credit score issue thanks Andrea once again we appreciate your effort
    over here

  • Johnsilvas Andrea

    thanks Andrea Philips for referring creditscorerepairplc@gmail.com over here they are just to amazing i never believed they could increase my credit score and they also clear my dept and records i am so happy i will tell you that

  • Paul Walker

    yes i already contacted creditscorerepairplc@gmail.com just like Andrea
    philips told over here to get to him i had to give it a trial and i
    couldnt believe it now seeing my credit score increased to 750 and my
    late payments were also cleared too,thanks to credit score repair and
    Andrea for this i will keep appreciating this all over my life, so if
    you need to get your score fixed you can also give
    creditscorerepairplc@gmail.com a trial just like i did too, so you can
    also share you testimony over too over here

  • Deborah Elis

    I’ve been cheated by some set of groups calling themselves hackers! i was going through hard times and couldn’t fix my bad credit and my credit score was at 560 and i need to get a home, car loans and many more, So i decided to tell my old friend about it and he introduce me to this great and awesome guy, Godeyeviewhacker! at (Godeyeviewhacker AT hotmail DOT com) I explain my situation to him about how I lost my home mortgage due to bad credits. He assure me a very clean result but i was still skeptical because there are too much fake hackers out there but i had to go on faith because i need to fix it badly. He ask for a down payment but i was so broke and i explain my condition to him and also to let him know my friend refereed me so he help me with the little money i have with me, I thought it was a joke when he told me to be in 48 hours! I was shocked with tears in my eyes when he help me delete all my negative items and also increase my credit score to 750 plus excellent! and i was able to get a new home and a new car. You all can get to him on his email (Godeyeviewhacker AT hotmail DOT) com He’s the best hacker online. Godeyeviewhacker AT hotmail DOT com. He’s the best ma for the job

  • Cassie Peterson

    I had a total of $36,000 in student loan debt that I couldn’t pay for 3 years until my friend introduced me to ZEUSHACKERS01 at OUTLOOKdot COM , I was in shock when they helped me clear the debts within two days. I’m so happy right now and I advice you guys to also get to them for hacking services.

  • Paulina Thompsom

    Hello everyone, i have tried out creditscorerepairplc@gmail.com just as
    Andrea philips referred them over here,my credit score was very low and i
    needed to buy a home,now my score as been increased to 750 and they
    also told me to open an account with trytransparent
    which i did and also helped my score too. so if you need help you can
    get to them on Gmail. thanks to Andrea philips for referring them over here

  • Jessica Graf

    globaltechnologies46@gmail is a good and ethical hacker…i can guarantee him 100%…i was doubting him first until he rendered his quality service to me..he helped me increase my credit score and also removed all unwanted collection from my credit report….

  • Lori J Gray

    If you need to repair your credit score hire spygenius.hack AT gmail DOT com , they helped me fix mine in about 48 hours, you can tell them i refereed you

  • Alvin Steward

    I noticed my mum went late to bed bothered and bitter and received phone calls a lot,then i knew something was wrong,i had to help her.i told a friend and he referred Abraham Cheklokov(blackhatcreator1234@gmail.com).I gave him a try and he help me to hack into my mum’s phone and mail then i found out her credit and mortgage was the problem and i asked if he could do it and he did..a problem of 3 years was solved in days how grateful i was Abraham Cheklkov(BLACKHATCREATOR1234@GMAIL.COM) is a messiah to me

  • Bryan Morgan

    For the past year,i have been battling with my low credit score
    until i met this hacker guru A.K.A CYBERGOD through a friend of mine.
    He helped increase my credit score to 780 within 2 weeks.Though i
    doubted him because of my previous experience where i was ripped off
    my imposters online but eventually got the job done without charging
    outrageous fee.
    He increased my score and also fixed the negative on my report which
    got me a mortgage for my new house.He is reliable,discreet and trust
    worthy.
    Contact him via email on (cybergod@writeme.com)and mobile:(205 624
    7453)

  • Angelina Gardner

    He assure me a very clean result but i was still skeptical because there are too much fake hackers out there but I decided to go on faith due to the good reviews I’ve read about him online, He asked for certain money but I was broke and I was shocked when he’s ready to help me with the little money I have with me. I thought it was a joke when he told me to be in 48 hours! I was shocked with tears in my eyes when he help me increase my credit score to 750 plus excellent! I have no choice than to publicize his good work because I owe him a lot and I want to lead people to the right way! You all should get to (Computerhackguru AT gmail DOT com) so you can get all your problems solved! He’s also good in any sort hacking issues! He’s the best of best

  • Lori J Gray

    I can entrust computerspyexperts who helped repair my credit score within A week i hired him. He removed all hard inquiries, late pays, accounts on collections with Federal tax lien on my credit score report. He clear off my credit card debts, upgrade card advance limit with 0% interest. He also fix/repair high school transcripts and universities grades. Feel free to contact him at (computerspyexperts AT gmail DOT com) if you still crave for salvation on credit card debts or credit score report.

  • Martina mills

    Do you want a QUICK and the most INTELLIGENT hack service?I will offer you darkwebcyberservice@gmail.com,He control all sort of hacking service including Wiping away criminal record • Paypal, MasterCard hack • IP Address • IPhone Hacking Tricks Windows.YouTube Hacking.I have tried him and i have confirmed his good work among all of this hackers out there,His work is legit and affordable.I remember when i was suffering from low score of 550 and was unable to get loan to boast up my business,Dark web service help me to boast my credit score to 750 plus excellent rsult within 24 to 48 hours and was surprise after his done with his work.I’m recommending him to you guys that need it’s service. darkwebcyberservice@gmail.com.

  • Martina mills

    Do you want a QUICK and the most INTELLIGENT hack service?I will offer you darkwebcyberservice@gmail.com,He control all sort of hacking service including Wiping away criminal record • PayPal, MasterCard hack • IP Address • IPhone Hacking Tricks Windows.YouTube Hacking.I have tried him and i have confirmed his good work among all of this hackers out there,His work is legit and affordable.I remember when i was suffering from low score of 550 and was unable to get loan to boast up my business,Dark web service help me to boast my credit score to 750 plus excellent result within 24 to 48 hours and was surprise after his done with his work.I’m recommending him to you guys that need it’s service. darkwebcyberservice@gmail.com

  • helen betty

    if your credit score is poor, a friend refer me to netsolvetechnology@gmail.com.. who just help me improve my score to excellent grade and clear unwanted judgment from my report ,he is very reliable ,tell him smith refer he will respond promptly.thanks to him

  • Jessica Graf

    Thanks to globaltechnologies46@gmail.com for helping me to increase my score, i contacted him after a friend referred me and he helped me clear all unwanted collections, added few tradelines and also improved my credit score…you can contact him today, he’s too sure 100%