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New Clean Credit has assembled some of the best articles on Credit Repair. This is a web site with completely free Credit Repair advice and info. Fixing or improving your credit score can save you a tremendous amount of money since the interest rates your are charged on mortgages, car loans, and even business loans are determined by your credit report.

There are no secrets to repairing your credit and you don't need any credit repair software. There is a lot of misinformation about the best way to "repair your credit rating". Keep in mind that your credit report is simply a listing of your credit transactions, good or bad. Negative items can be removed from your credit report and you can do it yourself. And who better than you to take corrective action.

In fact, you are much better off doing Credit Repair yourself. Credit repair scams from companies who offer credit repair services are numerous and can be both costly and damaging to your credit records. Before you enter into any agreement with a credit 
repair company or buy any services, check out our resource page for the FTC, the most trusted source in repair credit score advice, and other valid sources advice on bad credit repair. You will be glad you did and be well informed on credit score repair in general.

Also keep in mind that the timelines involved (30 days minimum) are stipulated by the Fair Credit Reporting Act. If you care to try and read this credit repair law we have it on our resource page but be prepared to spend some time, it's long and boring. If you want to do you own credit report repair, fix credit misinformation, or repair your credit score you will have to dedicate some time and effort.

According to the FCRA, you have the legal right to dispute any piece of information with a credit bureau (such as the major three, Experian, Trans Union, Equifax). Upon doing so, the credit bureau then has 30 calendar days to investigate the item(s). After that time, the credit bureau will either update the item as you request or leave it alone if they proved it was correct to begin with. If you submit additional information on the dispute during the 30 days, the credit bureau is allowed to take an additional 15 days. Disputes can be submitted online at the credit bureau’s site or simply sent via postal mail, my recommendation is to do it online since it is normally much faster. Disputes sent in based on the free credit report now provided under FACTA are given 45 days to resolve.

Self credit repair requires patience and determination in dealing with the credit bureaus. There are many different rules of procedure credit repair and you should always make sure you understand the best way to pursue your requests. Familiarize yourself with the proper methods and you can achieve your desired results. Plan on at least a 60-120 day window to do any self credit repair.

Check out our credit repair resources page to find excellent information from the FTC and others on credit repair methods. We have just finished compiling some of the best methods and information on credit repair and our FREE Repair Your Credit In 30 Days Guide (PDF) ebook is now available along with our free sample credit repair letter. 

Use Our Free Online Repair Your Credit In 30 Days Guide From Our Credit Repair Section by starting here: Credit Repair Guide