Whatever you do – DO NOT use a so-called professional credit repair agency. You would be a lot better off to set your money on fire. The goal of this article is to give you some techniques that you can implement instantly.

I recommend to my students that they start their self credit repair by putting together a budget. You want to create a personal balance sheet. Make a list of all your monthly debts, then another list of your income. This will give you a birds-eye view of your entire situation. Consider this to be a starting point.

Now it’s time to roll up your sleeves. You will want to request copies of your credit report. Once you have your reports in hand highlight the negative dings. Send a letter of dispute to all three bureaus along with any proof that you may have regarding each ding on your credit report.

Here’s a little self credit repair secret that I had to learn the hard way. When you get ready to send off your letter of dispute, make sure to send it certified mail. This will be the only proof that you have of your dispute claims.

The credit bureaus do not like dealing with credit agencies and those so-called credit attorneys. They know that they have no say so and that they cannot make decisions for you. It is better to write the dispute letter in your own words. I have had several of my students share with me their disaster stories and I would hate for you to become the next story. In my personal opinion you are a lot better off handwriting your letter or using a word processor.

There are four key ingredients that you will need when it comes to self credit repair. The first thing you will need is knowledge. The second is organization. The third is persistence. The fourth is time. Keep in mind – your credit didn’t go downhill overnight so don’t expect it to magically be repaired overnight.