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 How to repair your credit has always been a very controversial issue. It's often suggested that self-help is best but numerous credit repair professionals that run successful businesses throughout the country indicate that choosing outside help is a good option.

Forget about everything you hear in the way of rumor. Consider only what is really the case.

Self credit repair is entirely possible and in keeping with in the law. It's also true that you can do it successfully even if you are not very experienced in this matter.

However it's also true that the task can seem rather daunting. Although it can be done, many people still choose to use a credit repair agency because they feel more comfortable turning the matter over to someone who is experienced.

If you're interested in knowing how to repair your credit,  read these five steps. Now that you can see the "how", you'll have the knowledge that will enable you to decide whether to use self-help or hire the services of a professional company.

OK let's get started.

Step 1
Procure a copy of your credit report. This is necessary and will put you on the road on learning how to repair your credit, since in most instances your score is low due to erroneous entries that must be removed. Call 877-322-8228 or visit www.annualcreditreport.com

Step 2
Find a mistakes in your credit report and get to work on getting them deleted. Here's what you'll be looking for - incorrect information, due accounts that are closed, maxed out credit cards and other such things.

Step 3
Draft 3 dispute letters, one for each of the major credit bureaus. Although you may have many errors on your credit report (by no means an uncommon occurrence) be careful about disputing too many at the same time, otherwise the bureaus may ignore your letters altogether. Attach to each letter a Xerox copy of the proof you have regarding the error. This may improve your odds of the items being deleted.

Step 4
Add positive information to your report that will improve both your score and your credit history. Get the positive issues to be reported and entered. Make certain all timely payments are showing on your report. It's a good idea to procure a secured credit card as this could improve your balance to credit limit ratio.

It's a good idea if you can pay off some of your debts, including credit cards. Pay these off first, as it will save you paying high interest.

Step 5
Another option is to forget about the steps 1 through 4 and find a reputable professional company that knows all there is to know about how to repair your credit. This will free you from learning how to repair credit; all you need to know regarding how to repair your credit, is how to go about finding a trustworthy company.

Finally some important tips; even if you have paid off your credit card account do not close it; the credit limit on those accounts will keep your "debt to limit ratio" lower, improving your credit score.

If you do hire a professional agency, look out for scams; chose only those which have excellent reputation or that come with word-of-mouth recommendation. It would behoove you to inquire with the Ethical Credit Repair Alliance, the "watchdog of credit repair companies."