Credit Repair Information — How to Fix Your Credit Report

Written by: Kristy Welsh

Credit Info Center is the leader in do-it-yourself credit repair information and how to fix errors on your credit reports. We can help you order your credit reports, show you how to rebuild your credit, help you find a good credit repair company (if you prefer that route), and so much more. Bottom line, you don't have to let bad credit ruin your life! When you have bad credit, lenders see you as a high credit risk and they will charge you higher interest for a loan. But having bad credit can mean more that just high interest rates. It can also mean higher insurance rates and even higher down payments on an apartment or a cell phone, for example. On the flip side, when you have good credit, then loans, insurance, and deposits can cost you a lot less, which means you have more disposable money left at the end of month. Which person would you rather be?

Fortunately, you can fix your credit and we have the most up to date credit repair information on how to do it. Look through our helpful articles on repairing your credit, getting a credit card, and settling your debts. We also have comprehensive information on bankruptcy (which should always be a last resort). Our site is the one-stop place for all your credit repair needs and getting yourself out of debt.

Fix Your Credit Report

Our credit repair program gives you step-by-step instructions on how to fix your credit on your own for little or no money.

Looking for free credit repair advice? Check out our discussion boards where hundreds of people visit every day offering free answers to your credit repair and debt settlement questions.

You'll also find helpful credit repair resources in our online bookstore. Our eBooks are available for immediate download so you can start to fix your credit today. We have tips on settling your debts for pennies on the dollar and how to deal with creditors. You will find everything there that you need to repair your credit and settle your debts, including 95 sample letters for you to use.

Free Credit Dispute Letters

If you find anything in your credit reports that you believe to be inaccurate, incomplete, or unverifiable, then you have the right to dispute it. These are the types of listings that drag down credit scores, so make this a priority in your credit repair efforts. How? By writing letters of dispute to the credit bureaus.

Before you feel overwhelmed at the prospect, keep in mind, you need not start from scratch. We have all the sample credit repair letters you need, not only for disputing errors with the credit bureaus, but also for validating debt with collection agencies and negotiating settlements. Just be sure to edit them to your unique circumstances before sending (always via certified mail with return receipt).

Credit Repair Services 

Not all of us have the time or interest to fix our credit on our own. But before you hire someone to do it for you, read this article about using a credit repair service. There are legitimate credit repair companies out there, but it's important to know what to look for and what to avoid.

To help you in your search for the best credit repair company, we have teamed up with Lexington Law, which offers top-notch credit repair service at a very affordable price. They have been helping consumers repair their credit since 1991, removing more than 9 million negative items from credit reports in 2016. Fix your own credit if you can, but if you're considering a credit repair company, consider them.  Get the facts about how Lexington Law works.

Getting Your Credit Reports and Scores

A big part of fixing your credit is knowing your credit score and looking over your credit reports. There are a lot of credit report offers out there, so check out our credit report offer comparison article to pick the right service to get your credit reports, for free or for a fee.

Keep in mind, lenders are using more than just your FICO score. Check out these new credit scoring models that bank and credit card companies are using to determine your credit worthiness.

Increasing Your Credit Score

Do you want to apply for new credit? Is your mortgage interest about to go through the roof? Do you need to refinance but your credit score is too low? We have methods that will help you raise your score. Get the facts: Learn how to increase your credit score. 

Debt Settlement and Debt Elimination

Do you have credit card debt? Student loan debt? You are not alone! More and more Americans are in debt and cannot pay their bills. Learn how to reduce your debt and settle your debts so you can have more money from your paycheck at the end of the month.

Medical debt is the number one reason for filing bankruptcy. Don't become burdened by overwhelming medical bills. There are other options to filing BK and we can show you how to make sure medical collections don't show up on your credit reports.

Chapter 7 and Chapter 13 Bankruptcy Information

Are you over your head in debt and thinking about filing bankruptcy? Talk to a credit expert first to see if they can help settle your debts and fix your credit. Do all you can before filing for bankruptcy.

Secured Credit Cards, Prepaid Cards, Low Interest Credit Cards

Check out our articles on credit cards as well as help finding a credit card if you bad or no credit. We also have a list of recommended secured credit cards, prepaid and debit cards, and student credit cards.

Need Quick Answers Now?

Check out our FAQs on credit repair, credit reports, credit scores, credit bureaus, and credit monitoring.