Need help in fixing your credit score?

There are steps you can take to repair your bad credit history. In many cases you can do it yourself for free. However, if you are in over your head and don't know where to begin fixing your credit, there are agencies that can help you with credit repair and credit management. Use the following guide to fix your credit report and boost your credit score.

1. Get a copy of your credit report. As a first step, you should order your credit reports and go through them very thoroughly. You're entitled to a free credit report annually from each of the three major credit reporting agencies, Equifax, Experian and TransUnion.

2. Check your report for accuracy. It's not uncommon for people to find errors in their credit history so check everything from the spelling of your name to your birthdate to the names of creditors listed. You'll also be able to see if there are things that should no longer be in your credit report, such as a bankruptcy that occurred more than 10 years ago. . Things that will negatively impact your credit history the most are bankruptcy, foreclosure, repossession, loan default, court judgment, and collections.

3. Choose the items that need to be addressed. For example, if you see a credit card debt for an account that has already been paid off, you'll want to get that removed from the report. You'll also be able to see accounts that show late payments, credit rejections, and credit inquiries.

4. Write letters to request corrections of items that are inaccurate. Wait to see if those items are fixed, then write another round of letters to dispute items you want to have removed. When you dispute an item start off by stating that it's "not mine." Include other reasons, such as incorrect dates, account numbers, balances, etc. If a credit bureau can't verify the information, it may end up deleting the whole listing. Credit agencies must investigate any letters disputing information and resolve them within 30 to 45 days. If you plan to send another letter disputing the same item, wait about 60 days.

Make copies of all records and correspondence. Record the date and time of any phone calls, who you spoke with, and what the conversation was about. Also, send all letters by registered or certified mail. Take help of reputable credit repair agencies if you are not sure on the plan of action.