Self Credit Repair – 3 Tips Your Can Use Today

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Whatever you do – DO NOT use a so-called professional credit repair agency. You would be a lot better off to set your money on fire. The goal of this article is to give you some techniques that you can implement instantly.

I teach my students to start their self credit repair by putting together a budget. Create a personal balance sheet by making a list of your monthly debts versus your monthly income. This will give you a birds-eye of your financial situation. This is your starting point.

Request copies of your credit report. Once you have your credit report in hand you will want to circle all negative marks. Then it's time to put together a letter of dispute and mail it back to the credit bureaus, along with any proof regarding your claims.

I normally share this little tip with my students. When sending off your letter of dispute make sure you send it certified mail. If you don't all of your efforts will be in vein. This will be the only proof that you will have to prove when you sent it off.

Be fore warned – credit bureaus rather not deal with credit agencies or fancy attornys. Those parties are considered to be middle men and they know that they cannot legally act on your behalf. You will be a lot better off to write your letter yourself, in your own words.

There are four key ingredients that you will need when it comes to self credit repair. The first thing you will need is knowledge. The second is organization. The third is persistence. The fourth is time. Keep in mind – your credit didn't go downhill overnight so don't expect it to magically be repaired overnight.

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Comments on Self Credit Repair – 3 Tips Your Can Use Today

November 9, 2010

wheelieguy @ 12:29 am #

November 13, 2010

Sorry, above I should have said that the links for the AGSM and Credit Repair Australia go to the AGSM and Credit Repair Australia, respectively.

(To further clarify, the ACCC's problem isn't with google searches for one product producing clearly signposted links to a competitor. Rather, it for hypertext links supplied by google and implying that they concern one competitor going to a different one.)

December 5, 2010

Cricket @ 1:57 am #

Is it worth calling a credit bureau, or debt counsellor, or lawyer, or banker, or private investigator? I can see this coming back to haunt him when he tries for credit. Are you sure it's the previous houseowner, or is someone impersonating (incompletely) your son?

I often tell them to hold the line while I rescue supper. It's my public duty to make the industry lose money. Unfortunately, they're on to that one.

December 9, 2010

dagustri @ 8:22 am #

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December 30, 2010

gellos @ 6:00 pm #

Hi, kalku I was looking for credit repair tips and I came accross your real good blog A San José los boletos! A lot of people must feel like saving it! Keep it up! Today I'm looking to see if I find anything better than what I have, which I doubt, to stop the robbing bank and credit card companies than credit repair tips. Because how important would it be for you to have a self help program which promises to raise your FICOs in 45 days, double credit limits, get more cards, slash payments or stop collection calls and stop bankruptcy, paying cards off at 73% discounts, or eliminate $25K of them 100% with TILA, and much more. What if you said "bullcrap" to all of that. Maybe you think the answer is MORE INCOME not credit. Could you get excited about ending the day with $100 for every $10 you started with or $500 for every $50 – and that's just the start? You just found it…and we can prove it to you beyond a doubt. This is NOT about risky HYIPs – we're talking about a guaranteed formula because when you place small sums in certain places, you collect $100 to $1,000 every day without fail because it is NO gamble. Just check it out at

January 11, 2011

kev3d @ 9:30 pm #

January 18, 2011

Very informative Antoinette,

January 20, 2011

Credit_Guru @ 8:28 pm #

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January 28, 2011

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February 1, 2011

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March 22, 2011

PhilipMicco @ 12:18 pm #

Business Development Manager / Executive – Singapore Commercial Credit Bureau #sales #jobs

April 18, 2011

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May 24, 2011
June 14, 2011

John Barksdale @ 2:16 am #

As a victim of financial identity theft, I blame creditors and financial institutions for their sloppy credit verification standards. If a business extends credit to a financial identity thief, why should the victim be burdened? The company and credit bureaus should sort it out with the identity thief. After all, their sloppiness created the problem. I've shared my personal identity theft story at

June 20, 2011

Social Bookmarking SEO @ 10:39 am #

Author: poiru
Forum: Plugins & Addons
Date: 2011-05-30
Seems like something bugged with the latest update of Rainmeter or someting.
Keep saying I need to update Rainmeter even thou I got the latest one.
IIRC, you were on foobar2k? Try redownloading the latest foo_rainmeter.dll (from the manual page) as well as the latest Rainmeter beta as it works fine here.
A little tip for setting song ratings with foobar2000 via hotkeys*

Thanks for the tip, will have to link to that from the manual.

July 23, 2011

reactcore @ 7:48 pm #

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February 1, 2012

tiscali @ 11:37 pm #

Is it possible for 1 collection agency to report 1 account to the credit bureau 2 times.?

March 19, 2012

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