{"id":358520,"date":"2022-01-22T18:00:00","date_gmt":"2022-01-23T01:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=358520"},"modified":"2022-04-18T13:18:30","modified_gmt":"2022-04-18T19:18:30","slug":"diy-credit-repair","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-repair\/diy-credit-repair\/","title":{"rendered":"7 effective DIY credit repair tips"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1.jpg\" alt=\"A man and a woman review their finances together.\" class=\"wp-image-358525\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1.jpg 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-feature1-1400x467.jpg 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>DIY credit repair consists of a series of steps that you can take on your own to <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/education\/improve\/how-to-improve-credit-score\" target=\"_blank\">improve your credit score <\/a>and reap the benefits of a higher score. Poor credit history can make for a difficult future so it\u2019s essential that you take credit repair seriously if your credit score is less than ideal. <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/articles\/credit-improvement\/how-bad-credit-affects-you\" target=\"_blank\">Poor credit<\/a> can deny you access to loans, credit cards and other forms of credit.<em> <\/em>Sometimes potential employers will also take a peek at your credit history before hiring.<\/p>\n\n\n\n<p>It may sound like a lot\nto take on, but you really can actively improve your credit. To prepare for\nyour credit repair process, make sure you have these documents and info handy:<\/p>\n\n\n\n<ul><li>Your Social Security number (SSN)<\/li><li>Your name and DOB<\/li><li>Your address<\/li><li>Account information<\/li><li>Online access to your accounts<\/li><\/ul>\n\n\n\n<p>Below we\u2019ll cover important steps to repair your own credit.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-obtain-your-three-free-credit-reports-and-credit-score\">1. Obtain your three free credit reports and credit score<\/h2>\n\n\n\n<p>There are three major credit bureaus that review consumers\u2019 credit history: Experian, Equifax and TransUnion. Under the <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/articles\/credit-improvement\/fair-credit-reporting-act\" target=\"_blank\">Fair Credit Reporting Act (FCRA)<\/a>, each of these bureaus is required by law to provide you with one free credit report each year (due to COVID-19, you can now access a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/news\/free-credit-reports-now-available-each-week.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">free copy of your credit report each week<\/a> until April 2021.)&nbsp; <\/p>\n\n\n\n<p>These reports itemize your credit history so you can see what items are bringing your credit score down. You can spread these free reports out throughout the year, but if you\u2019re repairing your credit you\u2019ll want to access them all to get a better understanding of where you stand with each bureau. It also doesn\u2019t hurt to access your free credit score from a verified site or your credit card lender if they offer that service. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1563\" height=\"782\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports.png\" alt=\"The only site you need to visit to obtain your credit reports is AnnualCreditReport.com. Be aware of fraudulent sites that appear similar.\" class=\"wp-image-358521\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports.png 1563w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports-300x150.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports-768x384.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports-600x300.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports-450x225.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports-900x450.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-obtaining-credit-reports-1400x700.png 1400w\" sizes=\"(max-width: 1563px) 100vw, 1563px\" \/><\/figure>\n\n\n\n<p>You should be very wary of fraudulent sites. The only site you\u2019ll need to visit for your free credit reports is <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\">AnnualCreditReport.com<\/a>. Fraudulent sites try to trick consumers into sharing valuable personal information, so stick to the resources approved by the <a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0155-free-credit-reports\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Federal Trade Commission (FTC)<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-examine-your-credit-reports\">2. Examine your credit reports<\/h2>\n\n\n\n<p>Review each of your\nreports carefully and look for items that can damage your credit, like:<\/p>\n\n\n\n<ul><li>Typos or errors in your personal information<\/li><li>Late payments<\/li><li>Maxed out accounts<\/li><li>Unknown accounts (could be a sign of fraud or ID theft)<\/li><li>Accounts you requested to close, but are still open<\/li><li>Accounts that have gone to collections<\/li><\/ul>\n\n\n\n<p>Make sure to document\neach negative mark you find and which account or creditor it\u2019s attached to. You\u2019re\ngoing to need to address each negative mark against you.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-address-accurate-negative-marks\">3. Address accurate negative marks <\/h2>\n\n\n\n<p>If there are accurate\nnegative marks on your credit report, you\u2019ll need to address them with your\ncreditor\u2014not the credit bureaus. <\/p>\n\n\n\n<p>There are two ways to\nremove accurate negative marks from your credit report: time\u2014you let the marks\nfall off of your credit report\u2014or by reaching out to your creditors. <strong>Your creditor is not obligated to remove an\naccurate negative mark, but in some instances they may.<\/strong> <\/p>\n\n\n\n<p>For example, you can ask\nyour creditor to help you resolve delinquent payments and accounts by setting\nup payment plans or creating another solution with your creditor. Taking care\nof past-due payments and unwanted accounts can have a positive impact on your\ncredit.<\/p>\n\n\n\n<p>Or, if you are ordinarily in great standing with your creditor and have a consistent history of making payments on time but \u2014 due to an unusual situation \u2013 made a late payment that is now on your credit history, you may be able to reach out to your creditor using a goodwill letter and ask that they remove it as a courtesy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-dispute-false-items-to-have-them-removed\">4. Dispute false items to have them removed<\/h2>\n\n\n\n<p>If you find inaccurate,\nnegative items on your credit report, you can reach out to the credit bureau\nwho reported them and dispute them. <\/p>\n\n\n\n<p>There are a variety of\nways to file your credit dispute including online, over the phone and by\nmail\u2014the preferred method depends on the bureau. Any items that you\u2019ve\ndetermined to be false (including incorrect personal information) should be\nincluded in your dispute to the bureau who falsely reported them. Here are some\nexamples of inaccurate, negative items and what you can do to dispute them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unclosed-accounts\">Unclosed accounts<\/h3>\n\n\n\n<p>If you see that an\naccount you requested to close is still open, you should contact the lender and\nensure that the account is in fact closed. If it is, that would be a false item\nthat you can dispute.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unknown-accounts\">Unknown accounts<\/h3>\n\n\n\n<p>If there are accounts open in your name that you don\u2019t know about, that could be a <a href=\"https:\/\/www.creditrepair.com\/blog\/identity-theft\/identity-theft-vs-identity-fraud\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">sign of identity theft or fraud<\/a>. You should immediately contact the organization that account is held under, start an investigation and work with them to have the account removed. As a best practice, keep records of your communications as they may be useful in an identity theft investigation.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"3125\" height=\"2454\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items.png\" alt=\"How to dispute false items on your credit report: collect statements and other documents for proof, write a clear and concise statement, keep copies of your statements as proof, and submit your dispute online or via mail or phone.\" class=\"wp-image-358523\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items.png 3125w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-300x236.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-768x603.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-509x400.png 509w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-450x353.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-600x471.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-900x707.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-1400x1099.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-dispute-negative-items-2000x1571.png 2000w\" sizes=\"(max-width: 3125px) 100vw, 3125px\" \/><\/figure>\n\n\n\n<p>If your claim is accepted, the bureau should <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-report\/how-long-negative-items-stay-on-credit-reports\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">remove the negative item<\/a> which, depending on your credit profile, could help boost your credit score. If the bureau doesn\u2019t remove the item, you\u2019ll need to work with the bureau to request that the inaccurate reporting be removed. <\/p>\n\n\n\n<p>Here are the steps you\nshould take for a successful resolution:<\/p>\n\n\n\n<ol><li><strong>Collect proof <\/strong>(statements and other documents) to support your dispute.<\/li><li><strong>Write your dispute statement.<\/strong> Make your dispute letter easy to follow by first listing the items you\u2019re disputing, then going through them one-by-one and explaining the reasoning and officially requesting their removal. Include copies or snippets of supporting documents where necessary.&nbsp;<\/li><li><strong>Document your dispute<\/strong> with copies of your statement. Save screenshots if you complete your dispute online and make sure to get verified mail if you decide to mail your statement.<\/li><li><strong>Submit your dispute and stay tuned<\/strong> for the results of their investigation. The easiest way to document and track the progress of your dispute is by submitting online. Use the table below to find the contact information you need to submit your dispute by your preferred method. <\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-review-their-decision-respond-if-necessary\">5. Review their decision, respond if necessary<\/h2>\n\n\n\n<p>Bureaus have 30-45 days\nto respond to you from the day they receive your dispute statement. During this\ntime the bureau sends your statement and relevant information to the\norganization who reported the initial claim, then that organization\ninvestigates the dispute and sends its findings to the bureau. Once the\ninvestigation is completed, the bureau will send you the results.<\/p>\n\n\n\n<p>Once you receive the\nresult of your claim, you should review it thoroughly. If the results are in\nyour favor, congrats! The bureau will handle removing the negative item from\nyour report.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-do-you-do-if-your-claim-is-denied\">What do you do if your claim is denied?<\/h3>\n\n\n\n<p>If the results are not\nwhat you expected, you can take additional steps, including:<\/p>\n\n\n\n<ul><li><strong>Contacting the lender <\/strong>directly who reported to the bureau and gain additional information (if needed).<\/li><li><strong>File a new dispute<\/strong> with the bureau that includes new information so the bureau can approach the creditor with additional evidence.&nbsp;&nbsp;<\/li><li><strong>Add a consumer statement <\/strong>to your credit report. You can request that the bureau adds a statement (100 words or less) to your credit report that explains your situation. This means any entity that accesses your report will also see your consumer statement along with it. Just remember to contact the bureau to have it removed if and when the negative item is removed from your report.<\/li><li><strong>Bring your issue to a higher authority<\/strong>. If you\u2019ve hit a wall and believe that there will be no fair resolution, you can submit a complaint to the <a href=\"https:\/\/www.consumerfinance.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Consumer Financial Protection Bureau<\/a> or even consult an attorney, depending on the situation. <\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-avoid-applying-for-many-new-lines-of-credit-at-once\">6. Avoid applying for many new lines of credit at once<\/h2>\n\n\n\n<p>While your credit is being repaired, you\u2019ll want to avoid requesting new lines of credit if possible. Every time you apply for credit it\u2019s seen by the credit reporting agencies as a \u201c<a href=\"https:\/\/www.creditrepair.com\/blog\/credit-repair\/how-do-inquiries-affect-my-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">hard inquiry<\/a>\u201d which factors into your report and score. If you apply for a new line of credit many times in a short span of time (for example, if you apply for a new credit card repeatedly because you\u2019re having a hard time being approved) it can negatively affect your credit score. <\/p>\n\n\n\n<p>People with <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/what-is-a-good-credit-score-anyway\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">good credit scores<\/a> can apply for credit a couple of times a year without having it affect their credit greatly. While you\u2019re rebuilding your credit, be careful about any hard inquiries. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-stick-to-good-credit-habits\">7. Stick to good credit habits <\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1563\" height=\"782\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1.png\" alt=\"Good credit habits are paying bills on time, maintaining low credit card balances, paying off debt\" class=\"wp-image-358524\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1.png 1563w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1-300x150.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1-768x384.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1-600x300.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1-450x225.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1-900x450.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2020\/06\/diy-credit-repair-good-credit-habits-1-1400x700.png 1400w\" sizes=\"(max-width: 1563px) 100vw, 1563px\" \/><\/figure>\n\n\n\n<p>Continually practicing good credit habits will eventually return a positive result, regardless of how your claim turned out. Try to turn these practices into habits to improve less-than-ideal credit and maintain good credit.&nbsp; <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-bills-on-time\">Pay bills on time<\/h3>\n\n\n\n<p>Pay your bills on time to protect your credit from additional dings. Payments that are 30 days late are subject to be reported to the credit bureaus. Minimum payments will protect you from late fees, but not from interest. You should strongly consider enrolling in <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/can-autopay-help-your-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">bill auto payments<\/a> if you aren\u2019t already.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pay-off-debt\">Pay off debt&nbsp;<\/h3>\n\n\n\n<p>Paying off debt is a\nhuge step in the right direction. There are different approaches you can take\nin order to pay off your debt:<\/p>\n\n\n\n<ul><li><strong>Adjust your spending habits. <\/strong>If you haven\u2019t gone into default yet, adjust your budget and spending patterns to, at the least, make minimum payments. The more you can pay off of <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/articles\/debt-solutions\/overcoming-credit-card-debt\" target=\"_blank\">credit card debt<\/a> and loans, the better.&nbsp;<\/li><li><strong>Consider consolidating your debt<\/strong>. <a href=\"https:\/\/www.creditrepair.com\/articles\/debt-solutions\/ways-to-consolidate-your-debts-yourself\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Debt consolidation<\/a> involves taking out one loan to pay off all your debt and then paying off that loan in place of multiple payments with higher interest rates.&nbsp;<\/li><li><strong>Talk to your lender. <\/strong>If you\u2019re having trouble keeping up with your payments, your lender may be willing to negotiate a new agreement and payment plan that\u2019s more manageable.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maintain-low-credit-card-balances\">Maintain low credit card balances&nbsp;<\/h3>\n\n\n\n<p>Keeping your credit card balances low can have a direct and positive impact on your credit score. The amount of credit debt you have compared to your credit limits is called your credit utilization, which accounts for 30% of your <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/what-are-the-differences-between-the-vantagescore-and-the-fico-score\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">FICO score<\/a> and 20% of your VantageScore. This also means that you shouldn\u2019t borrow more credit than you can afford to pay off.&nbsp;<\/p>\n\n\n\n<p>Stay patient and consistent while rebuilding your credit. Stick to the responsible credit habits listed above to see your credit score improve. Once you\u2019ve paid off your debts and have a good handle on proper credit habits, you can <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/7-proven-ways-to-build-credit-without-spending-money\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">start building new credit<\/a> to help boost your score with positive tradelines and positive habits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-diy-credit-repair-resources\">DIY credit repair resources<\/h2>\n\n\n\n<p>Below are helpful\nresources to help you pay off debt and repair your credit.<\/p>\n\n\n\n<ul><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.consumer.ftc.gov\/articles\/pdf-0034-credit-repair.pdf\" target=\"_blank\">Federal Trade Commission (FTC): Credit Repair Guide<\/a> (PDF)<\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.federalreserve.gov\/pubs\/creditscore\/creditscoretips_2.pdf\" target=\"_blank\">Federal Reserve: Credit Score Tips<\/a> (PDF)<\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.consumer.ftc.gov\/articles\/0225-credit-repair-scams\" target=\"_blank\">FTC: Avoiding Credit Repair Scams<\/a><\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.consumer.ftc.gov\/articles\/0145-settling-credit-card-debt\" target=\"_blank\">FTC: Settling Credit Card Debt<\/a><\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.identitytheft.gov\/Sample-Letters\/identity-theft-credit-bureau\" target=\"_blank\">IdentityTheft.gov: Identity Theft Letter to a Credit Bureau<\/a><\/li><li><a href=\"https:\/\/www.usa.gov\/debt\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">USA.gov: Debt Resources<\/a><\/li><\/ul>\n\n\n\n<p> Credit repair can be a complicated process depending on your individual circumstances. If you\u2019re worried about being able to properly address your credit repair, you may want to consider looking for assistance. Try a <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\" rel=\"noreferrer noopener\">free credit report consultation<\/a> to see where you stand and let our experienced team take over the heavy lifting. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our DIY credit repair guide will walk you through the process step-by-step and includes best practices so you can improve your credit on your own like a 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