Cleaning up your credit file seems like a huge undertaking that can't possibly be accomplished easily. After all, most people can't even name the 3 main Credit Reporting Agencies. Much less know how to communicate with them in a productive manner.

In reality the process is very simple. All it takes is a few form letters and a little time. I have been researching the best methods of legal credit repair since 1991 and have been extremely successful repairing my own credit history. My research includes interviews with credit repair lawyers as well as credit repair professionals. I have even been scammed by a credit repair company. But it was a very valuable experience in my own personal quest to clean up my credit.

Click here for an in depth account of my own personal credit problems and how I repaired the damage.

Click here for a step by step guide to clean up your credit.

Click here to go straight to the tools needed to clean up your credit.

Click here for credit repair tips.

Click here for the web addresses of the big 3 Credit Reporting Agencies (CRA).