Short Version of a Credit Repair Manual

A Credit Article Contributed by Brandie King

If you are looking for a comprehensive and extremely detailed credit repair manual then you need to buy a book, and there is a list of books you can buy at the end of this article. For a shortened version of how you can repair your credit keep reading.

Credit Repair Manual: Request Your Credit Reports

The first step on the road to repairing your credit is to order your credit reports from all three of the major credit bureaus. Creditors don't usually report debts to all three agencies so you in effect have three different credit reports.

Equifax http://www.equifax.com

Experian http://www.experian.com

Trans Union http://www.transunion.com

Credit Repair Manual: Examine Your Credit Reports

After you get all three of the credit reports you will need to sit down and closely examine them for errors and inaccuracies. Make two copies of each one. One is for your records, one is for you to mark on, and the original is what you will send to the corresponding credit bureau. As you examine the credit reports mark errors and inaccuracies on one of the copies as you find them.

Credit Repair Manual: Dispute Errors and Inaccuracies

The third thing that you need to do is mail a letter to each of the three credit bureaus along with the originals of your credit reports from them and detail very specifically the errors and inaccuracies you found. Mail the letters by certified mail with return receipt requested so that you will have proof later should any problems arise.

If you orders your credit reports online from the above websites, you can use the online forms on the same websites to dispute items online.

Credit Repair Manual: Control Your Spending

If you do not change your spending habits, all of the work that you've done and time you've spent disputing errors and inaccuracies will be wasted. You need to learn how to budget and follow your budget, get rid of and eliminate unnecessary expenses and extras, and shop wisely.

Credit Repair Manual: Other Options

If after trying everything above to repair your credit, your credit still stinks, it might be time to consider some other options. Just make sure that you fully investigate everything before choosing one. One option is to consolidate all of your debts into one low monthly payment. Another option available to you is to hire a credit counseling agency to help you repair your credit. Just be careful when choosing this type of company as there are a lot of them that will scam you.

Credit Repair Manual: Books You Can Buy for More Comprehensive and Detailed Instructions

You can find these books and buy them on Amazon.com. Just go to http://www.amazon.com and do a search for the titles.

- Credit Repair: What the Credit Industry Doesn't Want You to Know

- The Guerrilla Guide to Credit Repair

- Repair Your Own Credit and Deal With Debt

- Credit Repair Made Simple

- Bestcredit : How to Win the Credit Game