It is very important to understand that the term “credit repair” is often abused and misunderstood. Don’t be fooled by companies that promise credit repair by removing negative credit from your report. You cannot remove accurately reported credit information.

Follow these steps:

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1. Make sure that the information included on your credit report is correct. If it is not accurate you can get it corrected by simply communicating with the repositories by mail, phone or online.
    

2. Order your credit report from each credit reporting agency. Make sure you only order reports that include your score. Your score is very important and you must know what it is. The three major companies are Equifax, TransUnion, and Experian. These are the three credit reporting companies that major lenders use. They all have very informative sites that will explain how credit scores are developed and what they mean. Each also has online communication so you can dispute any credit reporting errors that may show up.
    

3. Start the correction process as soon as possible because it can take several months to get your credit repaired.