At CreditCorrect we not only help you get your credit score up, but we teach you how to do it yourself. Whether you need help with theft, raising credit scores, knowing which bank to choose or even knowing what interest rates are good.

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The CreditCorrect System

Consumer credit, who needs it?  We all do, unless we’re among the small percentage of Americans who can afford to acquire material possessions, including big ticket items like cars and houses, by paying for the entire cost up-front.  We all need credit.  The important thing to remember, that in today’s society as we get more technologically advanced, our credit profile is not merely a credit rating, rather it’s our reputation. 

Obtain Credit Report

Consolidating debt and managing your monies is the only route to correcting your credit.  Simple solutions include reviewing all bills and seeing how they can be reduced whether through cutting service or renegotiating with the different companies.  Companies change their specials and rates all the time and in order to keep a customer they may make adjustments for you if requested.  Remember they will never call you to reduce your rate, therefore you must contact them.  Be specific and ask how to reduce your rate.


Use coupons to help save every where from restaurants, supermarkets to the department store.

Credit card balances with high interest rates must be paid off to avoid years of interest being added onto your balance.  Never pay the minimum, always pay more if possible.

Dispute Inaccurate items

There are three major credit bureaus in the United States, EXPERIAN, CBI/EQUIFAX and TRANS UNION. These credit bureaus obtain their information from your creditors. Creditors rate their debtors and report various information on credit consumers to the credit bureaus. This information is compiled into a credit profile or credit report. These reports can then be purchased by participating creditors knows as “subscribers”.

It is important to know your credit history for your own protection as well as for your financial information when applying for a loan.

“The Fair Credit Reporting Act” grants consumers important rights regarding consumer credit, credit files and related matters. This is the federal mandate authorized to protect credit consumers from unfair practices and representation by the credit reporting agencies. It entitles individuals to one free copy per year from each of the three major credit bureaus- Equifax, Experian and Trans Union. To receive your free credit report log onto or call 877-322-8228. Reports will be mailed to you within 15 days. If you have been denied credit within the past 30 days, you are entitled to a copy of your credit report again at no charge.

You have the right to an accurate credit profile. If the information is inaccurate, obsolete or unverifiable it must be removed from the file. The credit bureaus must reverify items you dispute on your credit report within a timely fashion or remove them from your report.

Review your reports carefully. You may find your three reports differ from each other. Remember, you will work with each report separately, but your steps will essentially be the same.

Follow Up

(1) Identify problem entries by circling the entire entry and writing the word “wrong” or “inaccurate” in the margin. 


(2) Send a copy of your report with a letter of dispute via Certified Mail to the appropriate bureau.  If you’re working with the Credit Correct TM manual or software, refer to form #3.  If not, be sure to site the Federal Fair Credit Reporting Act in all your letters.  In your dispute letter, state that you have identified problem entries and ask the credit bureau to reinvestigate and delete these items. 



(3) The credit bureaus must respond to your request within a “reasonable” period of time – generally 30 days.  If the bureaus do not respond to your request for reverification within a “reasonable” time (approximately 30 days), you will need to follow up with a second request letter.  

Need Advice?

If you need advice please contact and see if we can help.

E-Books & Courses to deal with your financial issues.

Learn how to deal with important financial issues in your life. 

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“Don’t spend another day paying for Credit advice! I struggled for years to raise my credit score. As soon as i found this website, all of that started to turn around. They really know how to help you raise your credit score.”

Christine W.


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