A lot of Americans are tired of credit repair service income - recommended you read, repair since a few bad apples have ruined what is actually a valuable monetary service. As a result many are trying to strike out by themselves and fix their credit woes. Therefore for individuals consumers enthusiastic about do-it-yourself credit repair, there is a standard process you have to follow. Below is a wide-ranging checklist.

Step 1: Get Your Credit Reports
You cannot know where to start with the credit repair process if you don't have your credit reports. Accounts on the reports from the 3 leading bureaus are the factors that calculate your credit score. Each of the bureaus - Equifax, Experian and Transunion - will offer consumers with an absolutely free credit report each and every twelve months. Make sure you pull your reports from all three as they could have different items listed.

Step two: Analyze Each Account
Whenever you do receive your reports, carefully sift through each account to confirm that it is indeed yours and that it's hundred % right. Even the slightest mistake can decrease your credit score, or keep it from increasing during the repair process. Gather your bills and financial records to crosscheck with what the reports are saying.
The reports are not always that easy to examine for newcomers as they are filled with codes and abbreviations in an effort to have them as light as possible. When you are in need of help, be on the lookout for credit repair boards, in which people who have been in circumstances that are similar are definitely willing to help.

Step 3: Dispute Inaccurate Accounts
When you see that there are errors on the reports, you have to dispute those accounts directly with the credit bureaus. Again, searching the internet for sample letters will probably be adequate. The bureaus have 30 times by law to investigate the accounts and often confirm them, update them, and take them off completely.