* Late Payments

* Accounts Close To Being Maxed Out

* Accounts In Collections

* Bankruptcies

* Judgments

* No Positive accounts

After you Locate The Problems

After you have determined what accounts are hurting your credit score you should organize them on a list that starts with the oldest account first and ends with the newest accounts, make separate lists for each credit bureau.

Next take the first two accounts from each list and draft a credit dispute letter and send it into the bureaus using certified mail. Remember to make copies of these letters before you send them and keep each bureau's letters in a separate folder.

What Is a Credit Dispute Letter

A credit dispute letter is very basic and is a way of telling the credit bureaus that you do not agree with them and would like them to look into the information that is being reported about you.

Under federal law they must investigate your credit history with the original account issuer. If the account issuer cannot or does not provide verifying proof within 30 days then the information must be removed.

What Is On The Letter

The letter should be written to tell the bureaus why you do not think the account information is valid. There are many credit repair kits that provide useful templates that make writing these letters very easy! At the bare minimum a credit dispute letter should contain the following:

* Name

* Social Security Number

* Account Number

* Credit Report Number

* Any Supporting Evidence You May Have

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Additional Tips For Doing Self Credit Repair

The process of Self Credit Repair is a fairly straight forward and simple process if you have the right plan to follow. However If you go into it unprepared you run the risk of failing or damaging your credit further. To avoid hurting your credit you should get a proven Credit Repair Guide like the ones we review at www.creditfix123.info we offer some quick reviews of proven methods. Darin Sewell