Credit Repair: How to “Fix” Your Credit Yourself

fix credit score

Credit Repair: How to “Fix” Your Credit Yourself

Credit repair is the process of improving your credit score by identifying and disputing inaccurate or outdated information on your credit report. While some people opt to work with credit repair companies to fix their credit, there are steps you can take to repair your credit on your own.

How to “Fix” Your Credit Yourself

Here are some tips on how to fix your credit yourself:

  1. Get a copy of your credit report: The first step in repairing your credit is to obtain a copy of your credit report from each of the three major credit bureaus – Equifax, Experian, and TransUnion. You are entitled to a free credit report from each of these bureaus once a year, which you can obtain at
  2. Review your credit report for errors: Once you have your credit report, review it carefully for errors or inaccuracies. This can include incorrect personal information, accounts that do not belong to you, or negative information that should have fallen off your credit report after a certain amount of time.
  3. Dispute errors on your credit report: If you find errors on your credit report, you can dispute them with the credit bureaus. This can typically be done online, by mail, or by phone. Make sure to provide any documentation that supports your dispute, and keep copies of all correspondence.
  4. Pay down debt: Your credit utilization ratio, or the amount of credit you are using compared to your available credit, can impact your credit score. To improve your credit utilization ratio, try to pay down your credit card balances and other debts.
  5. Make payments on time: Late payments can have a significant impact on your credit score. To improve your credit, make sure to make all of your payments on time. If you have trouble remembering to make payments, consider setting up automatic payments or reminders.
  6. Establish a positive credit history: One way to improve your credit is to establish a positive credit history. This can include opening a credit card or taking out a small loan, making timely payments, and keeping your balances low.
  7. Be patient: Repairing your credit takes time, so be patient and persistent in your efforts. Your credit score won’t improve overnight, but by taking the steps outlined above, you can gradually improve your credit over time.


In conclusion, while the credit repair process can be complex, it is possible to “fix” your credit yourself. By obtaining a copy of your credit report, reviewing it for errors, paying down debt, making payments on time, and establishing a positive credit history, you can take steps to improve your credit score on your own.

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