I can fix my credit report by myself! In the next five minutes you can find out how to clean bad credit by challenging erroneous entries.

1. The first step to fix your credit report is to note the items on your report you believe to be incorrect. Circle or highlight these.

2. Next send a letter to the credit agencies; this will initiate an investigation into the incorrect items. Include a copy of any supporting materials you have. The address can be found on your credit report. You CAN fix your credit report with a relative small amount of effort.

3. They are required to reply in a limited time with a response to your mail so send this via certified or registered mail. It is good to be able to prove when you sent your mail.

4. You also need to send these to the creditors. Since often the address for disputes is different from the billing address, you need to look at your billing statement to find the correct address. Taking a little time to write these letters will go far in your efforts to fix your credit report.

You should verify personal information if it is in the dispute, like your current address. You can include a copy of your driver’s license or utility statement. At the beginning of the investigation the agency will contact the creditor to see if they can verify the information; if they cannot it has to be taken off your report. When the investigation is over they must send you a copy of your new report with no charge.

If any of your disputes are resolved, you are allowed to ask the agency to mail a new report to anyone who has received your credit report in the last six months. Not only will this help fix your credit report, if you were turned down recently this may get you that credit you were seeking.

Tip: If you send this to the creditor first and allow time the dispute may be resolved and you will not need have to send it to the bureaus.

When the report is sent back and the original report data is stated as being correct, they must give details including the name, phone number and address of the one who made the report. Check the address to ensure you used the correct address to send to the financial institute. Start another research if you do not agree this is correct. Thus you will continue your efforts to fix your credit reports.

If you put forth a little effort in writing and sending some letters, being persistent and patience allowing some time and following through when necessary you WILL be saying, “YES! I can fix my credit report!

Alex Nebwalz lost his job, his car, and his home; but he fought back to repair his credit and regain his life. He writes about his experience at his website cleaningupcredit.net where he discusses how to find your credit score, how to get your three credit report, get your free business credit report, fix your credit report, and clean bad credit.