Most consumers with bad credit are banished from the “A” credit club where everything and anything is available for the asking. Bad creditors are pigeonholed into searching for sub-prime services and relinquished to years of high interest rates.

The majority of creditors search for free credit repair. Regrettably, there are no services that will repair your credit for free so, if you are looking for “free credit repair” you will have to do it yourself.

There are also some reputable, economical credit repair services offered for consumers who don’t have time to learn the credit repair process. However, completing this task yourself has its advantages and most people who learn about the credit game have better chances of not getting into a credit dilemma again.

When you are ready to begin your credit repair journey, you could start by getting a free credit report from all 3 credit bureaus. But there is a drawback to getting a free report: it increases information verification period time for disputed accounts, which can be a huge disadvantage to you.

Equifax, Transunion and Experian, by law must give you a free credit report, once per year, upon request. Repairing your credit means knowing which creditors you owe; what positive and negative tradelines (that is accounts) are listed; and how much debt you owe.

Next, become familiar with the laws and guidelines to follow when repairing your credit. Learn about disputing negative tradelines, the amount of time credit bureaus have to respond to consumers and how to negotiate with creditors.

Lastly, review the credit repair forums. A credit repair forum is a discussion group made up of individuals with common interest. There’s tons of information online – be cautious – there’s lots of misinformation online as well. Remember; always research your questions thoroughly online with different sources.

After hours of research, I’ve realized that credit repair is one of the most misunderstood topics online. Much of the information is misunderstood and repeated to the masses, therefore, convoluting the message. While many try and help, valuable time is wasted and people become financially damaged.

Free credit repair means doing the legwork yourself. Consumers must take the initiative to learn all options of credit repair.

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