The Quick and Dirty Credit Repair and Fix Debt Guide!

Your credit report is controlled by one of the three credit bureau's - TransUnion, Equifax and Experian. These guys track all the problem transactions that go on... as you can imagine, that's quite a lot.

But - the first step is to find out what's on yours and kindly, the law says that you must get a free report every year!

How do you get it?

The easiest is to go to a website that does it : the address is annualcreditreport.com.

You need to get this report and have a look at what is on it...

If you have already checked it out in the last year - you can get it another way : if a credit provider fails you for credit, you can ask them and they have to provide one to you free as well... its a nice backup to have in case you are running into problems.

Ok, the good news is that if the report has incorrect items on it, you get to dispute that for free...

You need to send in a letter explaining why they have got it wrong and all the relevant documentation from your side.

As long as you have not disputed the same item before and you have provided the evidence, they must look into the item! This may well be enough to get rid of that item!!

Happy days - plus if you ask them, the credit bureau must also send the clean report off to all the people that have requested your report over the last 6 months...

Okay, now even if the item did happen, you can still challenge it!

What? That sounds pretty shady - well, its your credit report and its worth fighting for.

So what's the deal - most of the time, the businesses that put the charge on in the first place don't keep their records - after a while, the paperwork load is too high and they dump them.

Now you have an opportunity to challenge them on how good their record keeping is and you may find that they didn't keep them, or can't be bothered searching through the large amounts of paperwork - and will remove the strike.

Now its not the most ethical of strategies but you must weigh that in your own heart on whether this is an acceptable tactic!

Beyond this, you probably need some extra help. You can significantly improve your score, but you need the quality information that you don't get on free sites.

If you need that extra help with clearing your credit report record, then you might find the following link useful - check it out anyway!

The Credit Secrets Bible

If you've tried everything else, then the Bible is your gateway to fixing your credit report for good.