One of the main reasons to go with DIY credit repair is because you can do it yourself for free. Of course, that’s not to say you won’t need help. But as long as you know where to look for help repairing credit, at least you won’t have to pay for it. Here are three free places to turn.
1) Our free DIY credit repair guide
We walk you through the process every step of the way:
- Where to order your credit reports
- How to analyze your credit reports
- How to prepare your dispute letters
- How to send your dispute letters
- Documenting and organizing the process
- And a whole lot more
Check out our free DIY credit repair guide.
2) Our free, friendly credit repair forum
At any point throughout the credit repair process, you may have questions you cannot find the answers to anywhere else. In that case, ask about it in our free credit repair forum. As you’ll quickly discover, it’s filled with friendly people who have been there, done that, so they know what they’re talking about and how to help. If you have a question, just ask.
3) Consumer Financial Protection Bureau (CFPB)
If you find a mistake on your credit reports, you have the legal right to file a credit dispute. What you cannot control is the response. Fortunately, if the credit repair process does not resolve a listing on your credit reports that you believe to be inaccurate, you can submit a complaint to the CFPB.
One note of caution.
Before complaining to the CFPB, make sure you have exhausted every possibility for resolving the situation through the credit bureaus, the original creditor, or the debt collector. The CFPB can be an invaluable free credit repair resource, but only if you use them as a last resort.