If you bad credit, you are not alone. Fact of the matter is there are tens of thousands in the country having the same problem as you do. Bad credit has become a social disease that is sweeping the entire country by storm. The need to repair your credit has become everybody's business. The bad credit disease may take some time to heal and what better way to start your journey towards recovery than by using different means and ways to repair your credit.

If you want to repair your credit, the first thing that you need to do is to find out what was reported. Get a copy of your credit report from the big three bureaus: Experian, Equifax and TransUnion. For $10, you get yourself a copy of your updated credit report. But if you have been recently denied by a lender, you can acquire a copy of your credit report form the credit bureau that the lender is using.

Give your credit cards a rest if you are dead serious on how you can repair your credit. Place your credit card in a safe location: not in your wallet or anywhere that it may easily tempt you. For emergency purposes, you can keep at least one card. Self-control plays a very important role, be sure you know how to do it. You have to know the difference between canceling and keeping your cards. Remember that if you have a bad credit report, it maybe a bit difficult to get a credit card in the future. Keeping at least one card open will eliminate the possible worry that you might be facing when you apply the second time around with a bad report on your credit history.

Denial will not do you any good in if you want to repair your credit. This is the right time to be honest to your self. To repair your credit, take a close and careful look at your financial situation. Understanding your current status will help you get out of debt easily.

Look for errors in your credit report. Studies show that about 40% of credit reports contain errors. Your credit report maybe art of that 40% and it won't hurt to spend a couple of minutes searching for theses errors that can help you to repair your credit easily. The moment you spot some errors in your credit report, grab a pen and paper and carefully write each and every error that you see.

Repair your credit by writing a good dispute letter addressed to the right agencies. The errors that you saw maybe from the collection agency, so your next step would be to write a letter addressed to the agency. If the error was made by the creditors, write a letter and send it to them. Using registered mail is so much better as it can help you track details such as names of the people that you wrote, dates when you sent the letter as well as the names of the people who received the letter that you sent.

Let time heal the wound that your bad credit caused. This may take 7 years but it is certainly is worth the wait. Your bad credit will be dropped after a long period of time and what better way to speed it up than by exerting extra effort in trying to repair your credit by partying bills on time, paying off outstanding debts and not maxing out on your credit card limits.