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FIND OUT what's in your CREDIT REPORT TODAY - so it's 100% ACCURATE TOMORROW. Order a 3-BUREAU REPORT from CreditReporting.com

Home: Credit Repair - Can I Really Fix My Credit?

Of course you can! It is completely possible to fix your credit report from a few black marks. And remember - everything a credit repair clinic can do for you, you can do for yourself at little or no cost.

Please find below a basic credit repair strategy you can follow to get you on your way:

  1. Get and review your credit report
  2. Analyze your report
  3. Make a list of all items you consider to be questionable or negative.
  4. Write a dispute letter to the bureaus.
  5. Send the letter to the credit bureaus. Make sure you send it registered or certified mail.
  6. Document your efforts Record when you sent your letters, and the results.
  7. Wait for the bureaus to investigate your claims.
  8. Analyze the results.
  9. Specialized techniques Was the item deleted or changed to your satisfaction? You may continue steps 1, 2 and 3 above until you feel the dispute is settled satisfactorily.

For instance: if a credit bureau can't contact a collection agency which is reporting a collection on your report and can't verify the information, the credit bureau must delete the entry.

7 out of 10 credit reports have errors - fix yours

What the information provided in this page does is help you fix ERRORS on your credit report and clean up those "questionable" items. While no one can legally remove accurate negative information from a credit report, the law does allow you to request a re-investigation of information in your file that you dispute as inaccurate or incomplete. On the otherhand, it is perfectly legal to challenge ANYTHING on your credit report. There is no charge for requesting an investigation. The whole key to the credit repair procedure is that if the credit bureaus cannot verify information on your credit report, they must remove it.

Please be advised the information provided on YourCreditReport.ca is for general guidance and information only. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.

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