What is the best way to repair my credit?

Start by getting a recent copy of your credit report and analyze it look for errors, accounts that don't belong to you and any type of mistakes. Once you have done that you will know exactly whats affecting you. You also need to start establishing positive credit remember your credit scores will not improve by themselves you need to add positive credit to get credit history and to help the credit formula
35% Payment history
30% Amounts Owed
15% Length of credit
10% Inquiries
10%New lines of credit and type of credit

This is the formula used to calculate your fico scores. As you can see the biggest amounts need to be positive to help scores increase. Most credit reports contain inaccuracies and you can help yourself by challenging the companies and have them correct your records. There are several forums and websites that teach you different methods to regain good credit. Like the previous answer said it takes time and effort to get back there is no quick fix for bad credit. Another suggestion is hire a Legal Credit Repair company but before you do so research about them look them up online check their credentials make sure they are bonded and legal companies. And most important remember everything a legal credit repair company can do for you, you can do it on your own the only difference is the experience and time frame since most cheap companies keep you for years on their program companies like finivcredit.com if they allow you in there program they usually have you ready in 6 months or less depending on the amount of damage. Remember Credit Counseling is for everyone but credit repair is not. One very important thing you need to know Do not use dipute templates found online most of these templates have been placed by the same credit bureaus and you can get flagged by the bureaus as a frivoulous dispute. Use them as a reference and create your own in some cases the more personal the letter is the better chance of success you will have make sure you sign it and date it since the bureaus have a maximun of 45 days to respond to your disputes. Use valid reasons to dispute your negative items.

You can get your report from annualcreditreport.com but if you disute items investigations will take 60 days to get answered by the bureaus that is the only downfall of using it but its the only real free credit report.

I hope the info helps

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I broke a lease 5 years ago and at the time still owed them money. We went to court and I paid at that time everything in-full that they said I owed. I'm trying to rent now and my new place is asking about this judgment. Since I paid it off right away, shouldn't it be off my report? How long is will it be on there? And how much will this effect me now?

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I am in the process of paying off debt to improve my credit score. I also plan on trading in my car in about a year. I generally pay $100.00 over the minimum payment on my car. Should I continue to pay more than the minum payment on my car or just make the minimum?

I cant figure out which is more important my revolving debt (credit cards) or my Car Payment?

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I would like to know what is the best credit monitoring service to use. I want to be able to see my credit scores from all three credit reporting agencies, get alerts when credit is ran, all three credit reports, and be able to protect my credit with a password. Any idea what the best option would be?

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