3d • Q&A Credit Repair
DIY Credit Repair in 5 Days
Welcome to the DIY Credit Repair in 5 Days mini-course!
This is a free step-by-step system you can follow to take real action and start cleaning up your credit — without being overwhelmed.
Each day, you’ll have a quick mission to complete that moves the needle forward.
Let’s GO. 🧠🔥
📅
DAY 1: Pull + Review Your Reports
✅ Visit 👉 https://www.annualcreditreport.com
📌 Download your reports from Experian, Equifax, and TransUnion
Look for:
- Accounts you don’t recognize
- Late payments
- Collections
- Charge-offs
- Inaccurate personal info
💬 Drop a comment when done: “Day 1 complete ✅”
📅
DAY 2: Clean Up Personal Information
🧹 This step increases dispute success later.
✅ Use the Personal Info Correction Letter (from earlier post or request again)
Remove:
- Wrong addresses
- Employers you never worked for
- Misspelled names
- Duplicate records
📬 Send it to all 3 bureaus.
📅
DAY 3: Identify Dispute Opportunities
🕵️ Highlight 2–3 negative items that are:
- Inaccurate
- Not yours
- Outdated
- Duplicate
- Missing info
Don’t dispute everything at once!
✅ Use the General Dispute Letter (from Post #7)
Mail certified with ID + proof of address
📅
DAY 4: Freeze Secondary Bureaus (Advanced)
🧊 Freeze:
- LexisNexis
- SageStream
- CoreLogic
- Innovis
This blocks third-party verification and gives YOU more control.
✅ comment “need freeze links.”
📅
DAY 5: Start a Credit Rebuild Plan
Now that you’re cleaning things up, it’s time to rebuild:
Options:
- Become an Authorized User (Post #5)
- Use credit builder loans (Self, Chime, CreditStrong)
- Apply for a secured card (OpenSky, Discover, Capital One)
- Keep balances under 10% + set up autopay
💡 Use the Credit Score Tracker to log progress
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DIY Credit Repair in 5 Days
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