Credit Bureaus & You

Who Is Equifax ?

Who Is Transunion ?

Who Is Experian ?

Credit Bureau & Credit Repair Myths

Credit Repair & You

Credit Repair Basics

Important Credit Terms

Why Should I Repair My Own Credit ?

When Should I Repair My Credit ?

Building Better Credit - Improve Your FICO Score

More Credit Repair Myths

Your Credit Report

How To Read Your Credit Report

Common Credit Reporting Errors

Monitoring Your Credit Report

What's A Good FICO Credit Score

Doing your own credit repair, or self credit repair, simply put is the best way to ensure that the information reported on your personal credit profile is handled properly and expeditiously.

The majority of the "work" is done reviewing your actual credit report (GET YOUR FREE ANNUAL CREDIT REPORT) to make sure that the information is accurate (LEARN WHAT'S IN AND HOW TO READ YOUR CREDIT REPORT). This is something that you would have to do even if you choose to go with a so-called credit repair company or an attorney who does credit repair (CREDIT REPAIR SCAMS-LEARN LEARN WHAT TO LOOK FOR).

The remainder of the work needed to be done falls into 2 areas:

1. gathering the supporting information to make your case with the credit reporting bureaus (EXPERIAN, EQUIFAX, TRANSUNION) such as receipts or other documentation you may have.

2. contacting the credit bureau based upon the derogatory or erroneous information in the corresponding credit report and filing a dispute letter.

Once your dispute letter is received by the credit bureau, they must open an investigation regarding your dispute and reply to you in writing with their findings within thirty calendar days, along with the action taken regarding the disputed item.

Then, what do credit repair companies and attorneys actually do to repair your credit?
After reviewing your credit report with you, they follow to the two steps mentioned above.
They use the appropriate forms/letters to contact the credit bureau with the supporting documentation you've provided, and wait for the response from the credit bureaus. Then send the appropriate follow up letter if necessary. THAT'S ALL THEY DO !

If they claim to do anything other that, they're lying to you, period.  (CREDIT REPAIR SCAMS-LEARN LEARN WHAT TO LOOK FOR)

They can not remove any accurate information in your credit report or from your credit profile that rightly belongs there. It's illegal!

They can not do it any faster than you can do it yourself - a mailed letter doesn't travel faster from an attorney's office.

They do not have "special" tricks or techniques (atleast not legal ones) that can fix your credit.

All the information and tools used by legitimate credit repair companies & attorneys are available to you.

So, why pay several hundred or even thousands of dollars for someone to write letters on your behalf? It's just fiscally irresponsible.

SELF CREDIT REPAIR : Improve your credit FICO score - Remove derogatory and erroneous information from your Experian, Equifax & Transunion credit reports - save time & money Don't let a low credit score cost you thousands of dollar in interest and fees or keep you from achieving your life's goals like owning a home or new vehicle. CreditSource123.Com puts the power to repair your credit into your own hands - using our proven credit management system, you will be able to systematically deal with creditors, collection companies and the credit bureaus to get erroneous data removed from your credit report and improve your overall credit score with all three major credit bureaus EQUIFAX, EXPERIAN and TRANSUNION.

Use the same credit repair system the professionals do to repair your own credit

Can I obtain the information to write my own letters for free?
Yes. The information is available to the public. You can find information on credit repair over the internet, in books and other published articles. Be warned!! Some of the information about credit repair is inaccurate and occassionally just a blatant LIE, and may not be clearly evident. By using this "misinformation" you can severely hinder your credit repair efforts and in some cases, it will actually land you in jail or leave you with hefty fines because the steps they've outline are outright credit fraud.

Why should I use Credit Source 123 to do my credit repair?
Let's us clarify something first. CreditSource123 does not do credit repair, like a traditional credit repair company. CreditSource 123, has taken all the tools and information used by legitimate credit repair professionals and put them into an easy to use credit repair system that allows you to point and click to get the job of repairing your credit done. We have created an easy to use tool that will allow you to enter your personal information and the disputed credit information, the will create the documents necessary for you to do your own credit repair. Our credit repair system will also allow you systematically track disputed items for easier follow up should the need arise. You will be able to effectively and legally deal with creditors, collection companies and the credit bureaus to get erroneous and derogatory data removed from your credit report and improve your overall credit score with all three major credit bureaus

The professional at Credit Source 123 continually monitor state and federal legislation to ensure that the CreditSource 123 credit repair system is up to date with all the necessary information related to filing your dispute with the credit bureaus.