Need credit repair? Ask yourself:

Denied a credit card or home or car loan?

Didn't get a job or apartment due to a "credit check"?

Been through a messy divorce?

Overwhelmed with debt and harassed by bill collectors?

Credit repair is a vital and necessary tool due to the many unique and unavoidable circumstances that lead to less than perfect credit for many of us. Today more than ever, consumers like you and me are affected by and, therefore, concerned about personal credit history.

No wonder--up to seventy percent of all credit reports contain errors, many of which are very serious. This has consumers wondering just how accurate their credit reports are.

Well, fortunately, there are steps you can take to rectify a poor or inaccurate credit history.

-Order your Credit Reports

-Examine your Credit Reports carefully

-Dispute and Document

-Solve and Dissolve debt

-Rebuild stability to your credit file

Regardless of whether you do it yourself or have some help, credit repair works in pretty much the same way.

At its most basic, repairing bad credit is simply a process of paying off older debts and letting the negative marks that they caused expire from your credit history while creating new positive credit that will replace them.

A good credit rating is one of the essential tools for having a successful economic life.

Good credit and a high credit score allow for many things that are usually taken for granted: credit cards with low fees and low interest rates, hassle-free loans and apartment rentals, car rentals, better insurance rates, etc.

Every time you miss a payment to a creditor, the creditor reports this as a delinquency to the three major credit bureaus.

Late payments and defaulted loans on your credit report lead to many financial problems such as denial of credit and higher interest rates.

People are more anxious than ever about credit reports as everyone from landlords, insurance companies and prospective employers routinely check them.

Many people have negative marks on their credit reports either through errors on the part of the credit bureaus or simply unfortunate financial setbacks beyond their control.

A poor credit report is NOT the end of the world. Many people have recovered from financial mistakes of their past to obtain excellent credit reports after fixing bad credit.

The information contained here is designed to get you started along the path to good credit and to keep you away from credit repair scams.

Even if you have already declared bankruptcy, it is possible to recover your good credit and take control of your financial life.

It's important to realize there is nothing a credit repair company can do for you that you can't do yourself. No company can get poor marks on your credit "erased" in any way that you cannot.

In some cases, credit repair companies may even go so far as to engage in practices of questionable legality. Namely, they may advise you to start a "new" credit rating through replacing your social security number with a tax-id number, changing address and banking information, etc.

These practices are not legal and are usually not effective. A far better approach to credit repair is to do it yourself.

Here you will find the insider's truth, not the industry spin that the credit reporting agencies, creditors, and collection agencies want you to believe.

Although this website does not contain legal advice, we have gathered a wealth of information for you to consult as you clean up your credit.

After living with less than perfect credit for a period of time, we know what it is like not being able to use credit as a financial tool.

You do not have to live with bad credit.

We will help you improve your credit rating and obtain good credit by improving the accuracy of your credit report and educate you on how to maintain your restored credit.

To help you find the information you need, here are links to some of the other pages on this website. Why not take a moment to check them out: