What You Should Have Done. Before starting, make sure you have done the following... You requested and received your credit report. You have identified the items that you want to dispute. These are items that negatively affect your ability to get credit. You have ...

My credit repair experiment began November of 2009. First, get all three (3) credit reports. You must have them if you want to fix your credit. With them in hand, it was time to start fixing my credit. A more formal way to do this ...

The days of the credit card (and the debit card) are numbered. This is not some alarmist statement (or maybe it is), but the financial institutions are really trying to reduce the amount of credit available to borrowers. Why? It all goes ...

Given how critical credit has become in our everyday lives, it has become more important than ever to know what is in our credit file. This affects our credit reports, credit scores, and ultimately, access to credit. Checking Bad Information. Too often, ...