Repairing your credit yourself is something that anyone can do yet many people have no idea where to start.
Most people don't know that you can take a mediocre 650 FICO score and push it over 700 with just a few small adjustments and corrections.
The first thing you will need to do is to obtain a free copy of your own credit report to go over what is making your score what it is.
Trans Union, Experian, and Equifax are the three reporting agencies that help determine your overall score and everyone is entitled to a free copy once per year.
So after you have a report to go over, you can start to see what has been making up your score.
Often times you will find there have been mistakes made that are adversely affecting your scoring.
If you find errors you can submit in writing to the three credit agencies talked about above and they have 30 days to dispute the marks on your report.
If there's no response after 30 days, you will be able to get it taken off.
Pretty neat huh? Another quick tip to raising your score is going to be something you may not have thought about.
If you have credit cards you will want to do one of two things.
You can either pay off a little of the balance so your available credit increases.
Or the easier option will be to just call the credit card companies and ask for a credit increase.
This will open up available funds on the card and it will raise your score for you.
As you can see it's not very difficult to raise your credit score yourself.
You just need to take the appropriate actions to get started.