If you have bad credit, you are not alone. Most people today have blemishes on their credit report. There are occasions that the bad credit record is due to an error. Regardless of how negative items appeared on your credit report, you can get rid of credit problems and restore a good credit record.

Waiting on a bad credit to fix itself is definitely not the best option. There are many things you can do to restore your credit rating. Repairing your credit is not as difficult as you might think. It requires some time, but you can do it.

All the information you need to do it yourself are covered in my ebook "How To Clean Up Bad Credit And Establish AAA-1 Credit Rating." You can check it out at www.aboutcreditrepairadvice.com and www.howtocleanbadcredit.com.

When you apply for any type of credit or financing, lenders review your credit report to determine whether you are a good credit risk. They rely on your credit report to see if you qualify for a loan or credit.

Your first step in the process will be to order a copy of your credit report from the credit bureau so you can see what type of records they have on you. Believe it or not, mistakes occur at the credit bureaus. Review the report to learn first hand what needs to be fixed.

If there is an error, contact the credit bureau to have the error removed. Dispute every single item that is erroneous in the report. The credit bureaus are obligated to investigate all disputes requested by consumers. Once the credit bureau receives your dispute, they must investigate it and inform you of the results of the investigation. They must provide you with a corrected copy of your report.