Want better credit and all the benefits that come with it? The following credit repair do-it-yourself guide is everything you need. Seriously. The following guide is a rundown of everything you need to improve your scores and fix errors in your reports. We've layed out the who, what and where so you can roll up your sleeves and get started all on your own. Just the inside skinny on exactly how to do it, along with some of our most powerful success tips to ensure you get it right. How can a higher FICO rating help you? Why go to all the trouble to fix your scores? Good credit unlocks the very doors of the financial world - and it's not hyperbole. Imagine cutting your home loan payments in half. Imagine walking onto the car dealership for them to throw you the keys to whichever model you like to test drive and finance at your will. It's all about trust people. Great credit equals greater access, lower interest rates, and increased consumer trust. It's being used to determine approvals for rentals and can even reduce your insurance payments. The benefits are numerous... But enough of my blathering... Read it and let me know what you think, be sure to comment. Jump right in, check out the guide, and if you like what you see, please share it with your friends.

1. THE ULTIMATE GUIDE
Do-It-Yourself
Credit Repair

2. CREDIT SCORES
Learn Your Current
Credit Score

3. DIY CREDIT REPAIR
Brush Up On The Rules of The
Game
Action #1
Take a few minutes and visit the Federal
Trade Commission to brush up on my
rights as a credit consumer.

4. Tip #1
You are also entitled by law to receive a
free credit score report when you are
turned down for credit within 60 days even
if you have already been given your free
report for that year.
CONSUMER CREDIT LAWS

5. Tip #2
Once per year, you can get free reports
via AnnualCreditReport.com
DIY CREDIT FIX

6. Get Your Credit Report From
The Big 3 Credit Reporting
Bureaus
Action #2
• Experian
• Equifax
• TransUnion
TAKE ACTION TO IMPROVE YOUR CREDIT

7. Getting A Credit Report From
Specialized Bureaus
* if you have specialized circumstances
Action #3
SPECIALIZED CREDIT REPORTS

8. Specialized Bureaus
Reports Notes
ChexSystems Report If you are having trouble opening
a checking account
CLUE© Report It keeps a record of any car
insurance claims and your
insurance history
Judicial Judgments Report If you wish to get a reporting of
any past judicial judgments and
legal obligations
Residential History Consumer
Report
A report of any delinquent utilities
bills
CREDIT REPORTING BUREAUS

9. Tip #3
A NUMBER of services are available which
will do all this for you for a small fee if
you would like to avoid the hassle.
Our favorite recommendations can save
you a lot of time and hassle, but they
aren’t necessary to get the job done.
THE PROFESSIONAL OPTIONS

10. Fix Errors in Your
Credit Report
CONSUMER CREDIT ERRORS

11. Make a List of Report Errors
Action #4
When you find errors, rank them, giving
the most damaging significant errors which
are dragging down your good credit, the
highest priority.
MAKE A LIST

12. Dispute Your Errors,
Individually
Action #5
IMPORTANT: Provide separate and
complete information for each error you
are disputing.
DISPUTING REPORT ERRORS

13. FREE RESOURCE
Want a sample dispute letter template
you can use?
All the time saving checklists and a
FREE sample letter is available on our
blog here:
SAMPLE DISPUTE LETTER
https://www.reallybadcreditoffers.com/blog/t
he-ultimate-do-it-yourself-credit-repair-guide/

14. Tip #5
Make sure your letter:
• Clearly state that you are exercising
your rights under the FCRA &
whether you are requesting the
item be corrected or deleted
CREDIT ITEM DISPUTES

15. Make sure your letter:
• Provides any documentation to
support your disputed items
• Personalized (handwriting is best)
• Details exactly why you are
disputing each item
CREDIT ITEM DISPUTES

16. How Fixing Errors
in Your Report
Works: The Rules
HOW DISPUTING ITEMS WORKS

17. The Rules
• The credit bureau is obligated when
it receives a dispute, to research
the record in dispute within a
reasonable period of time unless it
believes the dispute is frivolous.
HOW DISPUTING ITEMS WORKS

18. DIY CREDIT REPAIR
The Rules
• If the reporting bureau cannot
verify a disputed item it must be
deleted!

19. Challenge Items In
Your Report
HOW DISPUTING ITEMS WORKS

20. Challenge Items In Your Report
* What to do if your 1st dispute is denied
Action #6
• Document your results
• Prepare to send another round of
dispute letters to the bureaus. (with
different reasons for disputing the
accuracy of the item)
THE DISPUTE PROCESS

21. Tip #6
Dispute for the reasons list below:
• Credit record Not Mine
• Credit reported is wrong amount
• Item included is wrong account
number
THE DISPUTE PROCESS

22. • Credit item last Activity Date
incorrect
• Credit reflects incorrect balance
• Incorrect status reported
• Wrong High Credit Number
THE DIPUTE PROCESS

23. Reduce, Then
Eliminate Your
Debt
DEALING WITH DEBTS

24. Work To Eliminate Everything
You Owe
Action #7
Be methodical, attack your debt day by
day, and be proud of each little success
you make to reduce your expenses or
increase your income.
DEALING WITH DEBTS

25. Tip #7
Checklist for creating rock solid PF:
• Assess your debt to income ratio, and
set a goal
• Reduce debt interest rates and lower
payments
DEALING WITH DEBTS

26. • Use services to renegotiate debt
owed
• Reduce debt through debt
consolidation
• Explore ways to increase your income
DEALING WITH DEBTS

27. Build a Perfect
Credit History
BUILDING BETTER CREDIT

28. Look at Types of Credit Which
Can Help Improve Your Credit
Score
Action #8
Borrowing responsibly as a means of
achieving your credit goals… Powerful.
BUILDING BETTER CREDIT

29. Tip #8 Recommendations:
Types of Credit Notes
Credit Cards No more than three, try to keep balances below 40% of credit limit
Home Loans Keep in mind debt to income rate when considering a mortgage
Auto Loans Consider debt to income factoring everything you owe, can help
your credit rating if you have a limited borrowing history
Credit Lines If revolving, keep in mind your credit utilization rate
Student Loans Debt to income is a factor, the extended repayment periods if in
good standing can help establish credit history
BUILDING BETTER CREDIT

30. Avoid The Pitfalls
Which Cause Bad
Credit
FINANCIAL MISTAKES TO AVOID

31. Avoid These Common Pitfalls:
Action #9
• Paying your bills late or after due dates
• Spending more than you earn
FINANCIAL MISTAKES TO AVOID

32. • Accumulating too many credit lines
• Carrying balances too high
• Letting someone else use your credit
• Forgetting to update your contact
information with lenders
FINANCIAL MISTAKES TO AVOID

33. Protect Your Credit
For Life
HOW TO PROTECT YOUR CREDIT

34. Protect Your Credit From
Identity Thieves & Fraud
Action #10
If you find yourself a victim of identity
theft – DO NOT DELAY – call to inform your
lenders immediately to close accounts and
protect against further fraudulent
spending.
HOW TO PROTECT YOUR CREDIT

35. Tip #8
Here are some of the top credit monitoring
services:
• Identity Guard
• LifeLock
• Identity Force
• Experian
• TransUnion
HOW TO PROTECT YOUR CREDIT

36. Enjoy The Benefits
Of Good Credit!
BENEFITS OF HIGHER SCORES

37. Good Credit Benefits:
• Reflects better for home rentals &
leases to increase approval rates
• Approvals for specialty consumer cards
• Less documentation required for
financing approval
• No more bad credit hassles
BENEFITS OF HIGHER SCORES

38. Good Credit Benefits
• Can shop around to have lenders
compete
• Approvals for store credit
• Business credit seeding!
RAISE YOUR RATING & SHARE WITH US
YOUR SUCCESS!
BENEFITS OF HIGHER SCORES

39. DIY CREDIT REPAIR
About ReallyBadCreditOffers.com
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actionable resources to rapidly whip their personal finances into shape.
Visit the website to learn more about the powerful resources available to
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Source: https://www.usa.gov/credit-reports