Step 1

Order your Credit Reports
The very first step is to order your credit reports. You will use the information contained on your reports to ascertain your current credit standing and to decide what negative information to dispute. To order your credit report online for FREE, just click on the following link: free credit report online

Step 2

Remove Negative Information
After reviewing your credit reports you will begin disputing the negative items. There are a number of different disputing methods. Disputing with the credit reporting agencies is one method but there are several others including disputing directly with the creditor. For detailed explanations of disputing methods order our do it your self guide Give Yourself Credit

Step 3

Begin adding Positive Information
As your credit gets better you will want to begin adding positive information to your credit file. The best way to do this is to build solid credit and show on time payments. You can start by applying for select credit cards online.

Follow Up

Continue to check your credit reports
Even after you have restored your credit to an acceptable level. Negative items that you removed may be re-reported and show up again