There's no shortage of credit repair programs. Some say they do it, others teach you how to do it yourself. Others, say they'll create a whole new you, in my case expectantly thinner. The verdict isn't out on how legal that is. I'm sure well find out about it when it land a couple of folks in jail.
For this article I'm going to cover what I did to repair my credit myself. I didn't have the money to pay an expert and I'm OK with my identity, so I opted to learn a little about credit. Good credit repair programs will show you how to tactic the credit problem and address the most damaging issues first. You can visit http://www.makemoneyexpert.com/smart-money-secret/ to know more about credit repair programs.
It'll go into detail and give you choices on how to handle a denial. With my credit for example, I found an account with a collection company that was violating my privileges by re-aging a bad debt. My initial dispute letter was regarding the re-aging issue and requesting it be detached.
It came back with a correction but no removal. If I didn't know any better I might have left it at that. I went back to them with a dispute over the company not having the appropriate proof of my debt. I requested they provide proof with proper accounting for the amount. That's what did it.