Repair Your Credit Score Yourself

Repair Your Credit Score Yourself

If you are looking for ways to repair your credit score yourself, there are several ways to obtain a Free Credit Report Online.

Getting hold of your credit report is an important first step toward fixing your credit and I’m going to tell you how you can get free access to your credit reports right here. That’s right it won’t cost you a cent. You can contact the following sources directly by visiting; 

Repair your Credit Score YourselfNOTE: The average credit score in the U.S is a score of around 678 -which is only ‘fair to good‘ on most credit score ratings.

What to do Next

You will need to view all three of these reports to make sure they are scoring you the same, and once you have your credit report(s), then we can get to work on improving your credit score.

Having the best credit score, you possibly can is important because your Credit score will affect your;

  • mortgage rates,
  • credit card approvals,
  • apartment rental requests,
  • and even job applications.

Reviewing your credit reports regularly helps you to catch potential problems, before they get out of hand, such as detecting identity theft, which can devastate your credit rating. Also a credit reporting company can report negative information about you for seven years and bankruptcy information for 10 years.

What to Look For

So take a look at all the reports and see what they have on you and hightlight anything you don’t understand or want to know more about. Looks for things that are one report but not the other and see how they stack up against each other. You maybe surprised by what you find.

repair your credit score yourself

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Knowing what to look for will also help prevent future, long-term credit related problems and understanding how your credit score is calculated another important step towards improving your credit rating.

Get This Book

So, if you’re interested in learning about some hacks and quick solutions to improve your credit score, then all you have to do is grab a copy of this book.

When going over your credit report make sure you use  common sense when deciding which errors to report and which ones to ignore.
For example many people believe that the best way to repair their credit rating and improve their credit score is to remove all of the bad credit from their report. This is not entirely true as, sometimes a less-than-perfect credit report is sometimes higher in the list of credit scoring than a 100% perfect score.
In some circumstances, you can raise your credit rating by more than 100 points without actually removing every negative report from your credit score.
“Details about the process and exactly how to ‘tweak‘ things to improve your score, are found in the book”
A Free Resource to Check Out
If you want to avoid many of  the issues that people with low credit scores have to deal with on a regular basis then should to visit another free website; Debt Management Ideas and view the articles and resources about managing your money, debt and managing loan repayments and other credit related topics.

Another Resource You May Also Like

There is also another website that many people love for getting a free credit report online which also has the additional advantage that they will monitor your credit and future credit inquiries for you. They will email you about any new developments to your credit score

You can check it at Credit Karma.  Repair your Credit Score Yourself

One of the biggest credit misconceptions is that checking your credit score will hurt your credit score.

This is not the case. You can check your credit scores at Credit Karma as often as you like without affecting your credit score.

If You Have a Student Loan

Nowadays education is a costly affair and the only way to undertake the desired level qualification is to depend on student’s loans. To meet the expenses, students are sometimes forced to take multiple loans and then when they finish college they often leave with thousands of dollars as debt which of course needs to be paid back. Monthly installments can be difficult to meet when you are alone and in search of a job.

The appropriate answer for many may be to consider a student loan consolidation program.

Loan Consolidation Programs

Single new loan
With multiple loans, it is pretty difficult to keep track of the monthly payment, interest and due dates related to each loan. While you are stepping into the world on your own this could be difficult to manage.

A school loan consolidation will make you free from all these troubles by uniting the multiple loans into a single new loan. The new loan will have monthly payment much lower than the earlier ones. You don’t have to worry about several payments per month or about getting confused as you can more easily remember a single monthly payment schedule.

Repair your Credit Score YourselfVarious student loan consolidations

There are different student loan consolidation offered and so you have to be very keen in choosing the right one suiting you. The first thing is to look out for a reliable and reputable company. Even though there are plenty of companies offering consolidation loan, only some have lower interest rates and incentive programs.

Get quotes from different companies so that you can compare the rates and select the one which states what you need. It is very important to know whether penalty does not exist in additional or early monthly payments.

Companies providing the consolidation service

There are companies offering incentives when you stick on with timely payments. Whereas some of them wave off the interest rates if timely payment continues for almost twenty four month’s time. Do not rely on incentives alone as there are other things also to take a look which includes good loan terms, competitive interest rates etc.

The student loan consolidation is not confined to a maximum value as you can apply for the total amount you are due. Therefore, you need not stress with the size of the student loan as the solution is always available to you. Consolidation will help you to be free from the multiple student loans and thus making  it easier to repay the loans as early as possible.

More Information

Repairing bad credit is a bit like losing weight, it’s going to take a little time. And often most typical quick-fix options can potentially be detrimental over the longer term, which is not what you want.  However, as everyone’s situation is different, improving your Credit Score could be easier than you think but you need to get the correct information that’s specific to your individual situation.

For more information about specific debt issues or managing debt or finding credit solutions, you may wish to visit a fee website; Debt Management Ideas and scan the various articles about managing debt and handling loan repayments and other credit / debt related topics.

Remember that a good credit score will guarantee you of a good life, so go check out Debt Management Ideas – it’s free

Visit ‘Debt Management Ideas‘ Using This Link here


If you have enjoyed this post “Repair your Credit Score Yourself” feel free to share socially and leave a comment or ask a question below. Also see:

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  • James

    Recently my credit score has kind of taken a nose dive. My goals is to get it over 800, but I’ve got a way to go yet. It seems like that book “how to improve your credit score by at least 100 points or more in a flash” might be the way to go.

    My daughter’s student loan is definitely a source of concern for me. I’m a cosigner on that loan. Do you think this is hurting my credit score?

    If so, maybe I can get it off my report by helping her research and get it refinanced so that it’s only in her name.

    • Peter

      Hello, James To answer your question Do you think this is hurting my credit score?” Absolutely! As a co-signer of a loan you are responsible for the loan together with her. You more so because of your capacity to pay if she does not. (Good luck with trying to get off, because that will not be easy – why would they give YOU up, as a repayment guarantee)

      If you can get it refinanced then that is good, because when you get her loaned paid, it will show up as a repayment of a loan on your report (which is a good thing) Borrowing money (on credit) and then repaying is what gives your credit score a boost. It’s not the amount of available credit you have. It’s you history of borrowing and then repaying that credit agencies like to see.

      Thank you for your comments 🙂

  • Scott

    This is great information, and I will likely be looking into this book. I work in sales and have a part in helping my clients obtain financing. It’s amazing to me how many things are affecting people’s credit that they are unaware of. It’s great advice to get a copy of your reports and review them regularly as well as have a monitoring service of some type. One questions I am curious about, does having 30% or less on a credit card keep your score safe or is that a myth? Some have told me that even if you have say 20% a balance on a card hurts your score. Thanks!

    • Peter

      Hello, Scott. Great questions and I will answer them here. 30% or less on your cards balance is a great number as it keeps the credit card company happy and they will continue to increase your credit limit to encourage more borrowing from you and they hope you take advantage of that (remember they make money from charging interest). It also keeps the credit rating agency happy, as it demonstrates that Companies are offering you credit and you are using it wisely and responsibly which can only improve your credit worthiness in their eyes.

      Remember though that if you have a ‘hard’ 30 percent or so on your card that doesn’t move. That will be seen as a negative and that will hurt your score. The 30% of your available credit is what you should not exceed and then the balance should be paid down (paid off) quickly. The Credit card should actually be used to improve you credit rating, by only borrowing short term what you can afford to pay off the following month. Borrowing and then repaying is what gives your credit score a boost. It’s not the amount of available credit you have.

      Thank you for your feedback 🙂

  • cvguider

    Thanks for the article Peter. Definitely keeping track of one’s credit profile is so crucial and important. Thought mine was all fine till I checked up on it after a while by receiving a free report to begin with and realised that there was a minor missed payment from an account I’d completely forgotten about which had knocked back serious points. So, very helpful advice in building it back up.

  • Greg

    Good Credit Bad Credit you can be still qualifying for purchases car, truck, holiday trailer or ant toy for growing people. Be prepare of traps from seals individuals who want only close sales deal for they own profit. Check your credit before you want to make a purchase like that special if you emigrated to a new country. I never know before that I can look at my credit online for free. Thank you Peter for sharing with us so valuable information.

  • Bassam

    Peter, this is a very helpful post, as someone who messed up his credit as soon as I turned 18 I can testify that what you were saying here does work and it will improve your credit. Of course we can have all the cash we have but without credit there isn’t really much you can do as far as buying a house, a car loan, etc. Thanks for the post.

  • Guy Siverson

    Repairing bad credit is always tough. I have had to do this in the past from being silly and getting too many credit cards as soon as I turned 18. Thats what I hate about credit card companies a lot of times they take advantage of people that don’t really know much about credit cards or the damage they can do to you if you don’t keep up with the payments. Thanks for the nice list. I am going to share this with others!

    • Peter

      Hello, Guy Thank you for your honesty and yes it’s something that affects many people. I am pleased to have been able to help. Cheers 🙂

  • Angela

    Hey Peter,
    I definitely have to say that you give some very good advise here on how to clean up a credit report. I like the fact that you give different options of where to get a free credit report. Many people do not realize the need to have good credit and they get stuck in a cycle of high interest rates, higher fees on products like insurance, rentals, loans, and of course on credit cards.

    What is scary is the issue of people spending more of their money on companies that offer to fix their credit problems, when actually the individual can fix many issues themselves. The source you list is a “must have” for those who are stuck in their own credit repair problems.
    I will pass this along to others.

    • Peter

      Hello, Angela I appreciate your feedback and yes you are right many credit repair issues people can fix themselves and hence the reason for my post. Thank you for your comments. 🙂

  • Anthony Little

    I’ve made some bad choices in my lifetime, I’ve been down that road of having bad credit, But now my credit is looking pretty good, once I realize the importance of having good credit. I’m glad to stumble upon your article, Your teaching on repairing your credit helps anyone looking to improve their credit score. I’ve bookmarked your website for future reference on monitoring my credit score. Thanks for a great article.

    • Peter

      Hello, Anthony Thank you for your comments and I hope you also enjoy the “Improve Your Credit Score” Newsletters. Just that alone will give you a ton of tips and advice to help anyone improve their Credit Score. 🙂

  • Matt's Mom

    Having an ex-husband totally demolish my credit score years ago, I keep a watchful eye on mine. I have had good credit for a while now, but it is a slow process of getting it from bad back up to excelling. I faithfully use Credit Karma, just to keep an eye on my credit to make sure no one has taken my identity, or opened an account in my name. I also use a credit watch thru Wells Fargo, so I can get my scores for free. It is always good to be proactive.

    • Peter

      Hello, Matt’s Mom Yes that happens with couples, they are both held accountable! Bad Credit is like a dead fish the smell hangs around for a long time. Thank you for the comments. 🙂

  • luca

    I’ve always been wise with money and my credit score looks pretty good, but i do have a lot of friends always in debt or willing to get out of it, i’ve never been able to help them as i never experienced high debt or pour credit score. I will certainly tell them to read this!

    • Peter

      Hello, Luca Thank you for the feedback and I am pleased you have found this post useful. Happy to help out. Thank again for your comments 🙂

  • Smart Prince

    My father was having a low credit score since more than a year and it was creating a lot of issues in Loan Application. Thankfully I found your post and a 100 point increase is exactly what my dad needs right now. Thanks a ton for this really really helpful post. It came as a savior to be honest!

  • Alex

    Hi Peter,

    I’m impressed with your website! A website with great value, with lots of information that could answer many people’s questions and solve their “problems”.

    I personally had a student loan back in 2008 in Canada for collage, and i know the “road” after graduating how it looks like.

    Also about the credit score, that’s also another important topic for everybody nowadays..

    I personally will save your URL so anytime i would need your help i will stop by your website for answers and solutions.

    Thank your very much for your service you provide online Peter. Keep the Good Work flowing!


    • Peter

      Hello, Alex thank you for your kind words and I am pleased you enjoyed reading my post(s) Thanks fore wanted to be kept up to date with my writings. 🙂

  • Kathy

    This is a very good topic. I would imagine the information you share is not well known to most people. Recently I had requested my free credit reports, and I chose to use the phone and call. Boy! Was that a mistake! It was all automated, which wouldn’t have been so bad if the computer had recognized my name. I don’t have a middle name; my name is actually Kathy-Jo. When it came time for me to say and spell my first and last name, it took me 5 or 6 tries before they finally decided to record me saying and spelling it. It took me a long time just to get through the information to get my report from one of the credit reporting companies. I decided to try using the annual credit report site instead, and the process was much easier, and I was able to download and save my reports right on my computer.

    • Peter

      Hello, Kathy Thank you for your feedback. Yes your credit score is something that not many people think about until it becomes a problem or you want to do something involving credit.Thank you for reading my post and leaving a comment. 🙂

  • NRamsey

    I like the topic of credit reports. There’s a lot that many do not know about their credit and what effects it. My husband and I do not have great credit, and now got into student loans. I appreciate the information on student loan consolidation and debt management. It’s great to have things explained and resources to look into.
    Thank you.

    • Peter

      Hi, Ramsey Thank you for your comments I am pleased you liked the post and I am happy you got some value from it.Good luck with improving your credit score and keeping it good in the future. 🙂

  • Noody

    Wonderful information to know. In this day and age, monitoring of your credit is VITAL.

    I’ve heard that having no credit is worse than having poor credit. Do you have any recommendations for a person that’s looking to establish credit? I know a lot of companies aren’t anxious to give you a line of credit if you don’t have any history.

    • Peter

      Hello, Noody The easist way to get a credit history is to get a debt / credit card from your local bank and also to buy somethinfg with a charge card from Walmart of some national retailer to get a credit history. Of course you need to be prudent and pay it off responsibly. Thanks for your question. 🙂

  • Santiago

    Hi peter!
    Thank you so much for this information. As a young student, I understand the importance of keeping check with all these things.
    Those sources are very helpfull.and I will consider using some of them.
    Thank you for reminding me on the importance of our credit score .

    Best wishes!

    • Peter

      Hi, Santiago. Yes having good credit is a very important thing to have and not to many people realise this. Thank you for your comments and i am pleased you enjoyed the post. 🙂

  • Leody

    Hi Peter, thank you for your valuable information about improving credit ratings. I for one advocate about staying debt free although in reality many people are not able to get rid of their debts.

    There are many people who are bounded by their debts and the burden gets stronger as the interest rolls just like the ex girlfriend that never go away!

    • Peter

      Hi, Leody Pleased you found the information valuable and yes some people get stuck because they don’t have the right information to become free. I like the ex girl friend analogy. Thanks for your comments 🙂

  • Stu


    I am grateful I came across your website. I learned a few things about repairing your credit. I did not realize that your credit score can effect your chances of getting a job. Do employers actually access your credit score for employment worthinesss?

    I have a couple of boys going to school and knowing they can potentially consolidate their student loans is great information that I will pass along to them.

    I found the information on building a website, getting ranked on Google, and affiliated marketing very helpful. I will follow your instruction and advice to build my own website.

    Thank you for sharing your wisdom and I look forward to learning more from you as new info is posted.



    • Peter

      Hello, Stu. Oh yes employers will run your credit to see how ‘responsible’ you are before they employ you.

      Just a note about getting an ‘education’. I have travelled the world, lived in five countries and I have a Masters Degree, I am teacher, a trainer, a writer an electrician and a Pilot. Yet the best ‘education’ I ever received was learning how to work online from Wealthy Affiliate.

      Thank you so much for your comments Cheers 🙂

  • Chad

    I know my credit score isn’t great and I need to repair it. I like the fact I’m able to repair it myself with the help of your book is something I’m going to look into.
    How long will it take to repair my credit score and does the book go over ways to help keep my credit score from going back down after I raise it up?


    • Peter

      Hello, Chad. Repariing your credit is a bit like losing weight. It depemds upon how over weight you are and how determined you are to lose it! Yes the book covers all those things and there is more about this on another site Thanks again for your comments. 🙂

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