Everyone forgets the first step in do it yourself credit repair, and it is the absolute most critical part of restoring credit.
Without first taking a close look at your current financial situation and getting your debt under control, it doesn't make any sense at all to fix your credit.
Think about this.
If you have bad credit because at the moment your expenses are greater than your income, that's a problem that needs to be fixed immediately.
Otherwise you'll spend all your time on your do it yourself credit repair efforts, only to find that your score will go right back down again.
Step one is to stop the debt from bleeding and bring your expenses below your income.
After that, it's time to review your credit report and start finding opportunities to make improvements.
With hardly any work at all, you can have the negative items removed from your credit report and add postie information.
That's the goal.
Once you do this, you can turn a bad credit situation into an excellent rating.
What you want to look for are the items on your file that can easily be removed and will have the greatest impact on your score.
While literally every negative item can be deleted from your file, some can are easier to delete.
Focus on these items to get the biggest boost in your score in the shortest amount of time.
For example, older items are much easier to remove than recent events.
That's because when you dispute your credit report, the original lender has to be the one proving that you missed the payment(s).
Since accounts are regularly transferred and sold, that proof is nearly impossible to find.
Even if it were, the amount of time and resources that it would cost the lender is not worth it to them.
They would rather just allow you to win.