There is a list of several credit repair tips. This is by no means a complete list, maybe just enough to get you started.

At first, look for free information before you buy anything. Companies which sell credit reports and other credit repair tips are betting that most people do not about them.

There may be a lot of information on your credit report or just a little, depending on the types of credit that you have and the length of time that you have been using credit. Print the reports out and begin the process of reviewing the information that the credit bureaus have been accumulating about you. Use a yellow highlighter to highlight information that you believe may be inaccurate, misleading or unverifiable. This is information that you will dispute.

One of the credit bureaus has an on-line dispute system, but it is not very user friendly. The window is tiny and in order to read a sentence, you have to scroll from left to right. The best way to notify the credit bureaus of your disputes is to send them a letter.

If you have not received a response from the credit bureau or bureaus within thirty days, send a follow-up letter: "Please remove these items from my credit report immediately. I have waited a reasonable amount of time."

If you receive no response from the follow-up letter, you will need to contact a lawyer, preferably one that specializes in credit repair issues. The credit bureaus are allowed to disregard disputes that they consider frivolous. There are no guidelines for disputes which might be considered frivolous.

Sometimes options are recommended which are illegal, such as file segregation. Do not create more problems for yourself.

Visit www.woficlub.com for more credit repair tips. Our site also shows how different actions affect your credit score.

As with most information, there are hundreds of books full of credit repair tips, software programs with credit repair tips and credit repair specialists that charge for their credit repair tips, but there is a lot of free information as well.