You must first start with getting your credit report so you can begin improving. You can do this all yourself with little money. You must make an effort as this will not work without trying. So get started now by doing it yourself. Start with ordering your credit scores directly from the 3 credit bureaus and I am sure you know what they are. There are three major credit reporting agencies that maintain your reports and scores on everyone who has a social security number or credit history on the record. If you are seeking to make a change in your life by restoring your report, then you can do this yourself with the help of this site.

If you want to fix your credit report and raise your scores yourself, you can by following simple steps from this web site. Here are a few steps:

Order your credit reports from www.annualcreditreport.com or dial 877 322-8228. Now if you choose to go online to visit the web site, be sure that you are typing the web site in correctly in the address bar or you will get many other credit fix it web sites instead of the original source.

After you get your report you will then need to review all information very closely. Check if it is your name and if it is spelled correctly. Make sure the social security number on the reports are yours and accurate. Check your date of birth and all addresses that you have lived in, be sure they are correct. Now these errors are just to check if someone else's info is on your file.

Review all accounts as I stated earlier and scan for accounts that may not be yours. Check the delinquents and charge offs along with late payments. Those late payments and charge offs that are more than 7 years old can be disputed.

If you were married, check the debts of your spouse and credit history.

Check for any other incorrect accounts and debt or any other past due accuracies.

These are the first and most important things to check for as you could just be suffering from someone else's credit mix up.

Next... it's time to dispute these errors as this is the first process. This is where your hard work comes to play and you can do it yourself fast when you take the time to try it.

Dispute Credit Report Errors

 

Note that when you receive your credit score, be sure that it is your actual FICO score. Your Fico score is the actual score that creditors and lenders use to determined your credit worthiness.