Credit Repair 101.
The Very First Step
Before you can repair or rebuild your credit, you need to know whether or not the items in your file are accurate. If they are accurate, there is nothing you can do to remove them--credit repair 101. However, errors, or mistaken information, can be eliminated by you. In fact, the Fair Credit Reporting Act (FCRA) lays out your rights, and the process the major credit bureaus must follow once you dispute an item in your credit file.
Next Steps in Credit Repair 101
Credit repair 101 would include some basic approaches to credit rebuilding. Pay off your debts before asking for more credit, whether from a credit card company, or a bank. Obtain a secured credit card, charge a small amount, and pay it off in full. Doing this over and over is one factor in helping you re-establish a good credit history.