How to Repair Your Credit on Your Own

You don't need a credit repair company to help you fix your credit. The steps below can help you get going.

At, you can get a free copy of your credit report from each of the three major credit bureaus once a week. After that, each report can be sent to you once a year.

Coleman says, "We always tell people who want to know more about their finances to start by getting copies of their credit report."

Your credit report has details about your accounts, payment history, and other things, but it doesn't have your credit score, which is a number between 300 and 850 that lenders use to decide whether or not to give you credit. There are a number of free ways to check your credit score, including most major credit card companies' monthly statements.

Information on your report can be disputed if necessary.

The Fair Credit Reporting Act lets people dispute mistakes on their credit reports. There could be duplicate accounts, unauthorized credit checks, or accounts that are listed as late when they are not.

yates says that you should print out your report and look at it line by line to find mistakes. You can file disputes with each of the three major credit bureaus online, by mail, or over the phone. You should also contact the person or company that gave out the wrong information. This could be your bank or your cell phone company, for example.

Consumers can also dispute late payments that they don't remember making or that they aren't sure are true. "You can say, "I'm just not sure; can you show me that I was late?" So that is also important, "Yates says.

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