Alot of stressed out people only start searching for fix credit repair options once they have either been turned down for an important loan like a mortgage or auto loan. While there is hope to increase your credit scores credit repair is not going to happen in 24 hours but with a good plan in place you can boost your FICO score in as little as 45 days.

What You Need To Do To Fix Credit Yourself

Grab a copy of your credit report and start looking it over for errors and negative accounts that are dragging your scores down the the levels they are currently at. Make a list of these accounts starting with the account that is the oldest.

To make it easier on yourself you may want to buy a copy of each bureaus credit report instead of using a tri merge report where everything is listed on one report. Since all three report different this will make it easier to see what each individual bureau i reporting about you.

Dispute The Negative Items

Draft up a credit dispute letter for the first two accounts for each bureau and send it to them stating you do not agree with the information on the report. They must start an investigation into the validity of the information. They do this by asking the original credit issuer to provide proof that the negative information is in fact true.

If within 30 days the original account issuer fails in any way to provide proof to the bureaus the account must be removed from you report and cannot be placed back on by that individual creditor.