By: Ann Born

So you found some room for improvement on your credit report and are looking into credit bureau repair. May I suggestion "do it yourself credit repair?" Yes, many credit repair agencies suggest "professional" help when it comes to dealing with the credit bureaus. And honestly, they will know more tricks than someone who opts for "do it yourself credit repair." But, it truly comes down to who knows your credit best?

Where to Begin

First of all, you do a report from all three credit bureaus. The reason why each credit bureau scores differently is because creditors are not required to report to each credit bureau. This has it's "pluses" and its "minuses." Since credit bureau reporting is not mandatory to each of the "big 3," the credit bureaus maintain just enough a competition to keep their services reasonable. The "minuses?" As the consumer, when a credit pulls these credit bureau reports the actual score reported can vary significantly.

So what's a "do it yourself credit repair" enthusiast like yourself to do if you find yourself needing to file a credit bureau dispute?

1 - Be Thorough - Keep Copious Notes - Make Copies of Everything!

Start by making multiple copies of each credit bureau report. You want to keep your originals "clean" and not marked up for your records. Circle any possible discrepancy. Go back to your records, get online, do everything you can think of to verify if a mistake has been made. Remember, credit bureaus get all their information from your creditors. Do you really trust your creditors to provide accurate details all the time? Please! You are the only one who will, or can notice a discrepancy which makes do it yourself credit repair the perfect choice.

2 - Copy All Supporting Documents Supporting Your Credit Bureau Dispute

Once you have narrowed down what are actual mistakes on your credit report, get all your supporting documentation together. Do you have proof that you canceled that credit card 8 years ago and not 6? Don't just wait for the year to go by and "hope" it then drops off your credit report. Get that sucker outta' there! Did you know that the difference of just 21 points (or even less!) could cause you to pay tens of thousands more on the life of a mortgage?

3 - Fill out All Required Documents

Obviously you can't just send all your paperwork in with a yellow sticky saying "please review." The credit bureaus have their own way of accepting credit bureau dispute documents.

If you're ready for "do it yourself credit repair" then good for you! There truly is no reason why not to do-it-yourself. After all, who knows your credit better than you?

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