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Free Credit Repair: Do It Yourself

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Do It Yourself Credit Repair - A Totally Free Guide
Take control of your credit and save thousands with a few postage stamps. Really...

"One investigation by a consumer organization estimated that up to 79 percent of credit reports may contain some type of error" - U.S. Government Accountability Office (GAO)

So you may have a discrepancy (or a few) on your credit report. You may not need credit now or in the near future, such as a credit card, mortgage loan, or a auto loan. So why would you need to fix problems on a credit report. I will tell you why:

One basic example is convincing enough: If you purchased a home for $200,000 on a 30 year mortgage, a lender will likely pull all three reports from the major bureaus: Experian, Equifax, and TransUnion. If you have bad marks on your report(s) your interest rate will be affected. Take a look at the below figures that are likely to be real-world figures for someone with good credit, and someone that's credit isn't perfect:

Monthly Mortgage Payment #1 (With a Positive Credit Report): $1,330.60 (@ 7% APR)
Monthly Mortgage Payment #2 (With a Negative Credit Report) $1,904.65 (@ 11% APR)

Are a few postage stamps and a little bit of your time worth a better credit record? Is that worth $574 per month (or $206,640 in accumulative extra payments) for 30 years? I can think of allot of better things to spend over $200,000 on.

With or without discrepancies on your credit record, good credit, or less than perfect - by reading this guide and taking appropriate measures, you can provide a better credit record and savings that may just last forever.

The Credit Repair Guide:
  1. Start here... The Reality of Credit and Credit Repair
  2. How to Use Secured Credit Cards To Build Credit Fast
    If You Have Inaccuracies on Your Report(s)

Other Information and Resources:


Credit repair is not an exact science as individuals will have different credit issues to deal with, and may sustain unique responses from the credit bureaus. We are providing this resource as a free tool, and cannot guarantee credit repair based on individual situations. Use of this manual, like any resource at Finance Globe is subject to these
terms and conditions.

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