Credit Repair is generally the process of bringing “back to life” your credit history and raising your credit score. Credit repair is the process of restoring your financial reputation. Credit repair is completely legal as long as you follow the rules and guidelines provided by The “Fair Credit Reporting Act”. The “legal” steps to credit repair include:

  • Obtaining a copy of your credit report.
    You are entitled to a “free” copy of your credit report once a year from, or you can buy a credit report from one of the three major reporting agencies -,, or
  • Review the list of negative entries.
    Be sure to carefully review the entries, and focus on the negative items that are of longer duration, e.g. 90 day items are more important than 30 day items.
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