From my years of dealing with people who have issues with cleaning up a bad credit file, I discovered that the missing thing most people search for is the right information on what they need to do.
You see, there are lots of commercials in the media telling you to come fix your file, but you'll hardly get any telling you what you need to know.
We'll take a look at the solutions available at your fingertips even though you don't realize it yet.
Did I just say "your fingertips"? True, you see, one of the easiest methods to get your report from its damaged state to a clean one requires you to use your own hands.
It is known as the do-it-yourself technique..
Whichever way you see it, that doesn't matter.
The important thing here is that the do-it-yourself method guarantees you the opportunity controlling your financial destiny all by yourself.
Another solution is the credit repair agency method.
What does it take? Get recent copies of your 3-in-1 credit file containing your Transunion, Equifax, and Experian.
Once you've done this, look thoroughly at all three, one at a time, and write out any information that requires attention.
It is a wise idea for you to classify the information that you need to attend to in order of urgency.
For instance, you'll prioritize bankruptcy, foreclosure, repossession over negative accounts like collections and late payments.
That order is based on the number of years they can spend on your file.
Another grading method you might want to apply requires you to prioritize negatives in order of how recent they are.
This is because the most recent negative accounts carry more weight and impact your score more.
Once you've figured out the bad elements on your report, your next line of action is to start disputing them with the appropriate credit bureaus.
If the credit repair agency is your preferred option, just sign-up immediately to get your file fixed.