Repair Your Own Credit
Resources to help you get started
Credit repair is not an easy process but it is something you can do for yourself with some time, effort, and understanding. The resources on this page will help you get started on the road to improved credit, lower interest rates, and an overall better standard of living.PshcyDoc's Credit Insider
Even though you are opting to repair your credit reports on your own, Lexington Law's Credit Insider articles penned by Dr. Randy Padawer are a valuable resource for learning about the history and current operations of the credit industry. Learn the truth about credit reports, credit reporting, and credit scores.Read the Credit Insider Articles
FTC: Self Help May Be Best
Details the Federal Trade Commission's official stance on credit repair and credit repair organizations. Also provides a high level overview of the credit report repair process and includes a sample credit dispute letter to a credit bureau.Read the full FTC article
The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is the act that gives you the right to repair your credit reports. The FCRA dictates how the credit bureaus must operate and protects your rights as a consumer.Download a PDF of the FCRA
Credit Repair Forums
Learn about repairing your credit reports from others who have done so or are in the process of doing so. There are many quality credit repair forums such as Creditboards where you can ask questions, read relevant credit repair threads, and even get sample dispute letters.Search for credit repair forums