To get the credit report repaired you need to first get a copy of it.
Annualcreditreport.
com will give you access to your credit report and you get a copy of it annually.
How is the credit report prepared? Depending on the information you give to the credit report companies, your report is prepared and then lenders purchase it.
Credit repair advisers come into picture if you find any problem with the report.
Lawyers are qualified and authorized to make changes in the credit reports.
You cannot just give it to a person who is not authorized.
If your credit report shows a credit scores which is less than 680 then your report is considered as bad credit report and it needs to be worked on by a professional.
The reason why so much of emphasis is being laid on getting the report repaired is the money lenders extract high rates of interest from a bad report.
You may be surprised to know that one can save quite a lot of money by utilizing the services of professionals.
Some of the companies charge you for giving information on credit repair like where you can get the report or how to draft the letter etc.
All these things can be found online free of cost.
Don't trust such sites.
You should also avoid companies which promise to repair the report within 30 days.
Those of you who have lot of patience there is another option.
You can repair the credit report on your own.
This might take a long time and you will not be able to repair the report completely as the repair procedure given by the credit bureaus and government agencies.
In the end you will need advice for the expert lawyers.
Lawyers or attorney are quite expensive and not all will be able to afford their services.
Writing a letter to the concerned government department can be another option which can be considered.
A plain, formal, impersonal letter should be drafted and sent.
Usually you can expect a reply within 30 days of posting the letter.
But if you don't get a reply then you are not left with much choice but to opt for certified lawyers to help you.