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 ever 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 or thousands of dollars to “credit repair” clinics.

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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 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.

    • Benjamin Feldman

      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!

      • Kevin Haney

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

  • Chris Holdheide

    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.

    • Benjamin Feldman

      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.

    • Benjamin Feldman

      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 ?

    • Benjamin Feldman

      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

    • Benjamin Feldman

      Hi Rusty, the first step would be to get each of your 3 credit reports at 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 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

    • Benjamin Feldman

      Hi there, our credit score resource center may be able to help you:

  • Mike

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

    • Benjamin Feldman

      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?

    • Benjamin Feldman

      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:

  • 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.

    • Benjamin Feldman

      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?

    • Benjamin Feldman

      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!

        • Benjamin Feldman

          Hi Alli, I hope the error gets removed! That would be great. As for the medical bills, it likely depends on the lender and whether they are willing and able to work with you. Here is an article we published today that might be helpful:

  • 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?

    • Benjamin Feldman

      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)

    • Benjamin Feldman

      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.

    • Benjamin Feldman

      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?

    • Benjamin Feldman

      Hi LZ, in general, the hard inquiries can be taken off only if they are fraudulent. If that is the case, you will need to contact the credit bureau. I found a blog post from Experian that helps explain this:

      Also, keep in mind these hard inquiries usually fall of your credit report organically after about 2 years.

      Let us know if you have any more questions!

  • 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?

    • Benjamin Feldman

      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:

  • 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?

    • Benjamin Feldman

      Hi Bee, there are a lot of different things you can do to improve your credit score. This resource center can help guide you:

      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.

  • Bee Jay

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

    • Benjamin Feldman

      Thanks so much! You can dispute any of your credit reports – this post describes the process in more detail:

  • 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.

    • Benjamin Feldman

      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???

    • Benjamin Feldman

      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 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:

  • 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?

    • Benjamin Feldman

      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

    • Benjamin Feldman

      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??

  • 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!