Fixing your credit is possible despite the fact that most people don't know believe this.
No two reports are identical so the approach to fix each report is different but all are broken into two main strategies to repair credit.
Defensive Repair- The first strategy would be considered as defensive, with this part of the repair strategy you will work to improve your credit score by not allowing any more negative factors impact your report.
You will have to catch up on any late accounts, negotiate collection accounts to be deleted if a settlement is reached, and obtain new accounts if possible to start showing good entries on your report.
You should do anything you can to stop any more negatives from reaching your rating.
Offensive Repair- With an offensive strategy you will work hard to have accounts that are negative deleted from your account.
Negative accounts that are very old should be disputed so they can be removed, accounts that have reached their mature date need to be deleted according to the credit laws and wrong information needs to be corrected.
The only way the offensive strategy will work is by understanding the laws that govern your credit, the credit reporting agencies must abide by these laws but it is important that you know how to challenge them when working on your credit rating.
A good credit repair kit will teach you everything you need to know about the laws that can help you fix your credit rating and increasing.