Credit Repair
| The first thing to do if you suspect your credit might be
slightly "tarnished" is ask your mortgage lender! There are a lot of "credit repair" companies around who can "fix" it for several hundred dollars. But often your mortgage lender is able to do it for you or tell you how to easily go about it for no cost at all!
Have your mortgage lender run your credit, and let him/her tell you what they think the best approach for your situation would be. That being said, there are circumstances when it is necessary to hire someone to help you fix the problems on your credit report. The site Credit Repair should be very helpful in answering most of your questions about credit repair. But make sure to ask your mortgage lender for a local credit repair company. A local company is often the most responsive to your needs. And try reading the article Correcting Your Credit Score
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