Under federal law, consumers can challenge inaccurate information on credit reports and other consumer reports (such as tenant screening reports). It is free, usually quick, and relatively painless. Plus, there are a lot of great how-to guides on the web.
I have mentioned the FTC guides before. The excellent Building a Better Credit Report manual is a great starting point.
Dawn of Queercents points to the Credit Infocenter another good repository of information, guides, and forms. I especially like the long list of forms and the flowchart explaining the debt validation process.
Credit repair is absolutely something consumers can and should do themselves, and there is no time like the present. Get going!
How to Write Letters to Fix Your Credit Report | Queercents
