By the time you have completed this article you will have a working knowledge of the credit repair process. It doesn’t matter why you decided to understand this process, the important thing is you have made a wise decision by doing so. Fixing your credit report will open up new doors of opportunity for you. A healthy credit score can quite possibly lower you monthly bills, enable you to open up a bank account, rent a nice apartment…the possibilities are endless.

Before I begin explaining the credit repair process, I feel it is important that you have the right mindset before we begin. It’s important that you realize that you didn’t destroy your credit overnight and you will not be able to improve it overnight. You should also note that you have a variety of options when it comes to repairing your credit. You can use a credit agency, a credit repair attorney or you can opt to do it yourself. The choice of how you wish to repair your credit is ultimately up to you.

Over the years I am proud to say that I have taught hundreds of individuals to repair their credit. The part that I have found most impressive is at the start they didn’t even know what a credit report was let alone how to repair one. Within 60 days each of them had improved their credit. Each of them now know the exact procedure that is required to achieve financial freedom.

Allow me to give you a few brief steps that will allow you to start fixing credit in no time. It doesn’t matter if it is your credit or a family members. The key is to start off with a good foundation. As far as credit repair you will want to first arm yourself with copies of all three of your credit reports. A wise man once said that it is impossible to know where you are going if you don’t know where your at.. That’s exactly what you want to do with your credit report. You will want to have an understanding of where your credit score is at currently.

You will want to get a highlighter and highlight all the little errors that you may find on your credit reports. Do not forget to check your personal information, such as the correct spelling of your name, address, and place of employment.

At this point you should have all the errors highlighted, and the fun is about to begin. You will need to start writing your letters of dispute – disputing each of the errors that you have highlighted. Note that any decent credit repair kit will have sample dispute letters that you can use to help you along this process. Once you have written and mailed your letters of disputes it’s time to play the waiting game. The bureaus have 30 days to respond to your claims. If for any reason they should fail to respond in the allotted amount of time they must by law remove all claims.

Looking at the credit repair process realistically, 30 days isn’t much time for lenders to respond. In some instances the lender will respond by saying that your claims are inaccurate just to beat the 30 day deadline. They know that most people will give up after this. Since you are reading this you now know that the words “give up” are no longer in your vocabulary. With that thought in mind you should contact the lenders directly. Before doing so make sure that you have proof of your claims ready because they are going to try to keep you on the hook. After you have proven your case request something in writing stating your agreement.

About the Author: I hope that you have found this article to be useful. Your next step is to get the “Credit Repair Kit Made Easy” which is essential to your success.

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Tags: Credit Bureaus, Credit Counselors, Credit Help, Credit Reports, Credit Scores, Debt Relief, FICO, FICO Score, Personal Finance