Fix Your Bad Credit, Become Debt Free

Step 1:

Obtain a copy of your credit report from the three major credit bureaus (Experian, Equifax, and Trans Union), goto www.annualcreditreport.com to receive your free credit reports, you are able to obtain your credit reports for free once each year.

Step 2:

Highlight the negative marks on your credit report and prepare to dispute these files to the credit bureaus and/or the creditors and collection agencies.

Step 3:

You will need to either write a letter to the creditors/collectors explaining that the debt indicated ony our credit report is false and you have no knowledge of the accounts. This step can also be done online using the credit bureaus dispute system.

Step 4:

Now you will need to wait up to thirty days to find out if the negative marks have been removed or updated, do not get frustrated if all or some of your negative marks are not erased from your credit report. The creditors and collection agencies have thirty days to reply to your debt dispute and provide proof that the debt is accurate. If they fail to do so the negative file will be taken off your credit report.

Step 5:

Repeat steps three and four until you get the desired results, please note that there is no guarantee that you will remove all or any of your bad credit.