Credit repair

One of the first things you need to do, whether you filed bankruptcy or just need to rebuild your credit, is to set out a plan to rebuild your credit, as well as how you will use your borrowing abilities in the future. Without a good plan of attack on your financing and borrowing usage, you will run the risk of being in financial trouble again within a few years or so. Don't become a repeat statistic. Plan now, for protection later
You have two options when it comes to repairing your credit ...

hire someone, preferably an attorney who knows the credit laws;
do-it-yourself using a good quality guide and your 3-in-1 credit report;
Whichever way you decide to go, here are just a few tips to keep you on track:
Don't fall for scams that tell you to create a new credit file ... that's credit fraud if you do it, and can make you subject to legal repercussions;
Do read the Fair Credit Reporting Act so you have an idea of your rights while you go through the credit repair process;
Get yourself organized and committed to the process, there is no overnight fix;
If you use an online service, you want to know what the fees will be, monthly or "as you go" is best, and you want to be able to cancel at anytime;
Always act in a cooperative and professional manner when dealing with creditors or collection agencies;
Don't make threats, however subtle, if you can't back them up.
Deciding whether to hire a credit repair firm, or doing it yourself, depends a lot on your willingness to work, as well as your ability to be organized and follow through on the process. If you really don't want to deal with it yourself, and would rather a professional, we recommend one who is well-versed in the use of the Fair Credit Reporting Act to protect your credit, and who will handle all the detail work for you.

Many credit repair firms charge by the number of disputes/deletions attempted regardless of whether they were successful, find one you can dispute as many as you like at no additional cost. Stop living with bad credit, learn what thousands already know about how to legally repair your credit online, quickly and easily.
If You Prefer Do-It-Yourself Credit Repair
The first thing you need is a copy of your credit report from all 3 major credit bureaus. Access your credit report from the big three major credit bureaus, TransUnion, Experian and Equifax, all on one easy to read report. Start here.

Then you need the one book that doesn't fool around or put you on the edge of risk with your credit, Credit Repair Made Simple offers tips, sample letters, and easy instructions you can follow to repair your credit yourself. Written by Brian Eichhorn, president of Cornerstone Credit Counseling, you get great insight into your credit score, and how to improve your rating.