Do you need a credit repair guide to get you started repairing your credit?

Is a credit repair guide really necessary? Well, if you have never done this before then yes, it is. Hopefully once will be enough but when criminals use their knowledge for their own gain and put you at risk while making money for themselves, there is always going to be the appeal of easy money to draw more people into scams!

In it's own way, this website is a credit repair guide! Someone who does credit repair a lot can be a credit repair specialist. There is a difference between a credit repair guide and a credit repair specialist!

That happens to be the next section! Here's a link to glance at it and you can come back here when your done. Credit repair specialist link.

I've done this before and I will guide you through this and show you how to get things done! There are some steps you need to take to get started repairing your credit report.

1. First, get a copy of your credit report. You will need one covering all three credit reporting angencies, Equifax, Experian and Transunion. You can get one from True Credit or Equifax here in the sponsored link in this section. This link is from equifax and will take you there directly.

Credit monitoring is extremely important, especially these days and you are more likely to want to repair your credit reports if you can access your credit reports anytime you want to! You will not adversely affect your credit score by checking it yourself as often as you want to.

This is called motivation and motivation can make you take your score from 480 to 709 in a year!

This service from Trans Union and Equifax are ones I have used for myself. You can get all three credit reports from TransUnion, Equifax and Experian from here along with your credit score.

Without all 3 credit reports your not going to make much progress! Everyone of the 3 different agencies, Experian, Equifax and TransUnion, will have different items on them and different comments for each! This is not unusual and you shouldn't be alarmed. Some credit companies, banks and lenders all use one of the 3 for their services, but are not required to use all 3!

Use these reports as your credit repair guide that points out where your credit report really hurts. Your credit score is available from here too and this will come in real handy because you can see what effect your having on your credit while making repairs! Credit card companies will use all 3 of your credit reports however and this is a great indicator of how you appear to the major lenders like Mastercard and Visa.

2. Now check for ALL negative items on your credit reports! Write them down and go over them all and add up the late payments, delinquencies and other negative items. If some of them are to the same company and show up on all 3 credit reports, make a note of that too.

Next, look at how many inquiries into your credit report you have had in the last 12 months. More is not necessaily better! The more inquiries you have, the more credtors are seeing you as someone who cannot manage the money you have and your score drops dramatically!

Let's move on to the next page of credit repair guide by clicking here.