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The only way to get free credit repair is to do the job yourself. It is a very time consuming process but if done with persistence, it can payoff big in the end. The first thing in free credit repair is to vow from this day forward that you will begin to pay your current bills in a timely manner and begin to pay off old debts with some type of payment schedule if necessary.

The real process of free credit repair begins by getting a copy of your credit reports from the three credit reporting companies: Equifax, Experian, and TransUnion. Free credit repair consists of having negative remarks removed or updated to a positive status. By law, even if the negative marks are “really yours”, if they are not verified within a reasonable amount of time, normally 30 to 45 days, they must be removed from your credit report.

There is a proper way to begin the dispute process of your credit report. The first letter to the credit agencies should dispute any contact information that is not current. With the second letter you can begin to dispute the negative accounts on your report. Try not to dispute more than five accounts at one time.

Once your dispute is made, it is the credit reporting agencies responsibility to contact the originator of the negative complaint. If the organization or individual who made the negative complaint does not respond in a timely manner, the law requires that the negative mark be immediately stricken from your credit report.

As you can begin to see, the premise of free credit repair is the process of letter writing to dispute all of the negative, incomplete and unverifiable information on your credit report. Many times the originator of the negative complaint will not reply at all or in the time required by law and thus your credit report is expunged of this information.

You need to keep an accurate “paper trail” of every contact you have with the credit-reporting agency that is why you should send all of your dispute letters by certified mail, “return receipt requested”. Make sure you keep all copies of your dispute letters and enclosures.

Another “trick” of free credit repair is to send your dispute letters to the credit reporting agencies during the busiest times of the year such as major holidays and peak tax preparation season. With this strategy, your dispute requests may not be verified in a timely fashion because of clerical errors, human laziness or just the sheer volume of work that these companies experience at this time of the year. You “luck out” when this happens.

Free credit repair consists of firing off your dispute letters, waiting 30-45 days for a response, checking your new credit report and firing off more dispute letters. You want to become the bane of the credit reporting companies’ existence during your letter writing campaign. With this process, statistics prove that around 40% of your bad marks will eventually disappear.

A 40% removal of bad marks on your credit report will account for a major increase in your credit score rating, thus improving many aspects of your life. This success rate should encourage you to persist your free credit repair efforts and know that a higher credit rating is waiting for you down the road. It only takes time and persistence and your efforts will be rewarded.