Repairing your credit report can seem like a daunting task if you try to do so without having the proper knowledge and information you need to get it done effectively and legally. You need to use all the expert resources out there so that when you go to talk with credit agencies, you know your rights, you know what to do and maybe even more importantly, what not to do. If you do the wrong things, you may cause negative items to remain on your credit report when you could have had them removed or re-reported in a more positive light. Creditors can be tricky and without you knowing it, a simple request for more information can turn into a new updated mark on your credit report that will begin another seven year mark on your credit! Beware of such tactics, become an informed consumer and learn that you can fix your credit yourself, effectively as long as you approach the process well prepared.

1. Avoid sending out ALL of your dispute letters to your creditors at once.

This is often done by many