Each step that you take in credit repair must be evaluated carefully. If you’re going to do it yourself, prepare beforehand by reading credit repair books, searching the Internet for advice from experts, purchasing a do-it-yourself credit repair kit and so on.

As you read, you’ll see that the first thing everyone shall advise you to do is to procure a copy of your credit report. If you were under the impression that only finance companies, banks and merchants can ask for a credit report, you’re wrong. As long as you’re asking for a credit report done on you, then certainly you can ask for a copy. This would cost you a bit so better prepare to spend. We advise you to take at least copies of your credit reports from the following credit bureaus: TransUnion, Experian and Equifax because most financial institutions usually base their decisions on either of the credit reports provided by the aforementioned credit bureaus.

Got your copy now? Okay, roll it out and study each and every item in the list. Don’t overlook anything, even your personal records because you’re certainly not the only Lisa Smith in Washington, D.C. and who knows if the other Ms. Smith have unimaginable debts that were somehow mistakenly listed under your record? It pays to be cautious, okay. Now, with a do-it-yourself credit repair kit, they’re sure to advise you about the common things to watch out for. You’ll be surprised to know that approximately thirty percent of credit reports contain items. So who knows if you’re one of that thirty percent?

Lastly, if you find out anything to dispute, it’s time to fill up the form for disputes and then approaching the credit bureau responsible for the erroneous credit report. Take our advice and use time to your disadvantage. File for disputes during the busiest times of the year like the ones following Thanksgiving and Christmas.

.

More informations are available at http://www.debt-credit-00.info