STEPS TO REPAIRING YOUR CREDIT
1. Dispute the negatives on your credit report to all three major credit bureaus.
2. Negotiate your debts with your creditors and collections agencies.
3. Re-establish your credit through our established programs that report to all three major credit bureaus or get the major bureaus to report any utility or rental bills you have paid on time for at least 6-12 months.
4. Get a bank account established with savings.
5. Keep your credit cards below 50% of what you owe and pay off balance as soon as possible.
6. Pay all bills in a timely manner.