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5 Basic Steps To Credit Repair

By:John Limbocker

For some, shopping goes beyond picking up wants and necessities, and has become an entire cosmic experience, an experience to be share with like-minded family and friends. Shopping training starts at a young age, with teenagers "going to the mall" together not to shop, but to meet other teenagers.

Do it yourself credit repair letters are available all over the web. These are free to anyone prepared to roll up their sleeves and get down to business. If you are reading this, you definitely qualify because you are already doing your research. Learning the process is key. And it's not a matter of having a formal education.

You just need to know how to read and write and how to either get a free copy of your credit report or you could buy one. You will also need some time for this. The process is not overly complicated, but it will take a bit of effort to get everything lined up and get this done.

Step 1 - Know your starting point. The term credit repair implies that you know what to repair. This is a fundamental step that most people miss (you would not set out to repair your car without knowing first what's wrong - correct? The same applies here). You need a copy of your credit report from each of the three agencies. You can get a free copy at This service will give you the basics once a year for free. If you want more you'll need to use a credit monitoring service (which we recommend).

Step 2- Review your credit report and determine how bad the damage is. Credit repair requires that you pay all of your bills on time - no exceptions. This is particularly important for revolving credit lines such as bank credit cards. Pay them on time even if you're paying the minimum. Credit card companies are quick to pull the trigger on bad credit reporting, taking you two steps backwards on your quest for good credit.

Step 3 - Pay cash. If you can't pay for it with cash, don't buy it. This does not apply to critical purchases that put your future at risk.

Step 4 - Start paying down your debt, highest interest rate debt first. Make the minimum payment on all other debt and deploy your extra money toward the highest rate debt. Repeat this until all of your debt is repaid.

Step 5 - Enjoy more "free" activities. Engage in good old fashion conversation with family and friends, there is still nothing better. Go for a walk in the park, share a sunset and listen to a concert in the park.

Don't do anything that might cause your credit dispute letters to get thrown away by the credit bureaus. Adhering to these simple guidelines will help ensure that your letters are as effective as possible.

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John Limbocker is an Internet marketer for For more details and information about Credit Repairs, simply go to

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