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How to Repair Credit:
A Guide to Improve Credit and Raise Scores
by Lisa Phillips
A Guide to Improve Credit and Raise Scores
by Lisa Phillips
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If the thought of do-it-yourself credit repair is overwhelming and you would prefer a professional
repair your credit Lexington Law helped clients remove 1,013,469 negative items in 2009
alone. Those negative credit items included:
repair your credit Lexington Law helped clients remove 1,013,469 negative items in 2009
alone. Those negative credit items included:
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Familiarize yourself with the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and
the Fair Credit Billing Act. These laws and rules protect consumers from unfair practices of
creditors, collection agencies and credit reporting agencies.
8 Steps to take in repairing credit on your own:
1. Get Organized
2. Order Credit Reports
3. Opt-Out
4. Review and Analyze Credit Reports
5. Dispute Negative Credit Information
6. Deal with Past Due Accounts
7. Decrease Credit Card Balances
8. Establish New Credit
the Fair Credit Billing Act. These laws and rules protect consumers from unfair practices of
creditors, collection agencies and credit reporting agencies.
8 Steps to take in repairing credit on your own:
1. Get Organized
2. Order Credit Reports
3. Opt-Out
4. Review and Analyze Credit Reports
5. Dispute Negative Credit Information
6. Deal with Past Due Accounts
7. Decrease Credit Card Balances
8. Establish New Credit
Just the thought of looking at your credit
reports may make you cringe. Credit repair
does not have to be difficult and, your credit
reports may be better than you think. Either
way you need to know what type of
information, true or false, exists about your
credit habits. Low credit scores may prohibit
you from obtaining mortgage loans, auto
loans, and even credit cards.
The credit reporting agencies make mistakes
all the time. According to a study by PIRG
(Public Interest Research Group), as many as
79% of credit reports contain errors. These
errors are serious enough to result in denial of
credit. The good news is there are steps you
can take to repair your credit report, improve
and rebuild credit scores.
reports may make you cringe. Credit repair
does not have to be difficult and, your credit
reports may be better than you think. Either
way you need to know what type of
information, true or false, exists about your
credit habits. Low credit scores may prohibit
you from obtaining mortgage loans, auto
loans, and even credit cards.
The credit reporting agencies make mistakes
all the time. According to a study by PIRG
(Public Interest Research Group), as many as
79% of credit reports contain errors. These
errors are serious enough to result in denial of
credit. The good news is there are steps you
can take to repair your credit report, improve
and rebuild credit scores.
- Late revolving credit payments
- Inquiries
- Repossessions
- Judgments
- Collections
- Bankruptcies
- Foreclosures
- Tax Liens