To repair bad credit might be a mystery to most, but the process is actually quite simple. With all the bad credit out there, you would think there must be something in the water. I know there are different circumstances that cause people to get into trouble, but the mystery to get out of trouble just baffles everyone. Since I have been in the mortgage industry, I have learned how easy it is to fix your credit report. With the power of the internet you can fix your credit for free. I remember when I was young I messed up my credit report due to just being irresponsible. After about 6 months the phone started ringing This is a miserable feeling especially when you have guests over and your phone is ringing every 30 minutes from someone that wants there money. Nether less it happens and there is a solution as well. Here are the following steps to repair your credit report for FREE.

1.Don't be late on anything anymore

2.Don't allow anything to go to collection

3.Pay all your bills on-time

4.Pull a copy of your credit report with scores to see where you stand.

5.Make sure there are no inaccuracies on your credit report

6.Review your credit report and determine what you can start paying off.

7.If all your good credit went to collection, then you must re-establish new credit.

8.To re-establish new credit apply for a couple of secured credit cards.

9.Try not to pay off any collections over 5 years old.

10.Settle on collections for pennies on the dollar

11.Make sure once collections are paid you get the letters from the collection company showing paid or settled.

12.Beg and plead with the creditor to give you a letter to delete collection from the credit bureaus.

13.After 90 days of paying off collections pull your credit to see if the creditors updated the credit bureaus correctly.

14.Typically after a year of paying off collections, and establishing new credit your credit scores will increase dramatically

Just like anything else, there is not magical potion to repairing bad credit reports. It's really simple; just start paying off your collections starting with your recent collections. I am sure you have heard companies advertising they can remove collections you owe because of a technicality. This is actually not true. A collection will stay on your credit report for 7 years from collection date. The best credit repair is to repair you credit yourself. Because after doing it, you will make sure you don't allow anything to go to collection again.