Step 1
You will want to get copies of your current credit files from the three Credit Bureaus: TRW/Experian, Trans Union and Equifax.

Step 2
You will then begin the process of removing negative credit from your file. Removing negative information from your three credit files is actually quite simple when done correctly with the Credit Builders Guide! We have found several ways that can help you erase Late Pays, Collection Accounts, Charge Offs, Repossessions, Foreclosures and Inquiries.

Note in some cases, such as recent Bankruptcy, unpaid Federal Tax Liens, unpaid judgments, or unpaid Child Support, the courts may be able to show all the written proof and documentation you ask for. If this happens they will still be allowed to keep the bad credit on your file. For these cases there is still hope. We'll walk you through the process online.

Step 3
While the negative information is being removed from your credit files, you will then begin adding positive information to your files. This is a new way of adding real accounts to your credit files to have an Excellent Credit Rating in less than 30 days. As you know, the more positive information on your credit files the more money banks will lend you.

Step 4
When you are finished you will receive new copies of your credit files showing that you have great credit. This will take less than 90 days. You will now be able to qualify for credit as long as you have a source of income.

Most of our clients were placed in a situation where they were unable to pay their creditors. This leads to a credit file showing bankruptcy, liens, judgments etc. Even though things have changed now, no-one will offer them their past credit history. Here’s your chance to change that with the help of the Credit Builders Guide. More details and information regarding credit repair are available online in "The Way to Good Credit" Guide. We also include charts and graphs to help you create the budget that meets your lifestyle.