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Ng your loan. Credit Reports Find out your borrowing power. Insurance Quotes Insure your mortgage now. Also get competing quotes for all insurance types. FREE Credit Repair Credit Card Finder More Credit Repair Letters Get Your Credit Report! Steps to Repair Your Credit 1. Obtain your three credit reports. 2. Review the reports and locate the negative items. 3. Dispute the negative items with the credit bureaus. 4. Disputed items are removed or corrected. Items that were not re-verified are removed. 5. Negotiate with creditors and collection companies. 6. After negotiating and making payment, creditors delete the negative accounts or change them to a positive rating. 7. State the item you are disputing, but do not use dispute forms or file numbers provided by the bureau. This will cause fewer delays by the credit bureau asking for clarification. 8. Do not confirm the account if any information about the item is wrong. 9. Do not use letterhead (you don't want to raise any Red Flags). 10

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