Your Credit Pathby Jeannette Perez
CHAPTER 3 OF 4PAGE 14 OF 21

What is DIY credit repair?

10. Consider debt consolidation

Compare the total cost, fees, interest rate and repayment term with your current debts. A lower monthly payment may still cost more overall if repayment lasts longer.

Your Credit Path strategy keeps debt decisions separate from disputing report errors. Consolidation does not automatically remove negative history, and moving debt does not erase it.

Compare the debt options and cost example →

Next: How do I deal with negative information on my report?

In this chapter
  1. What is DIY credit repair?
  2. Can you fix credit yourself?
  3. What is the Credit Repair Organizations Act?
  4. How can I repair credit myself?
  5. How do I deal with negative information on my report?
  6. How long does negative information stay on my report?
  7. Can negative information be removed from my report?
  8. When should I choose DIY credit repair?
  9. How long does it take to repair credit?
  10. What is the fastest way to repair my credit?
  11. Where else can I get credit repair help?
Other chapters
  1. Chapter 1: What is credit repair?
  2. Chapter 2: What are credit repair services?
  3. Chapter 3: What is DIY credit repair?
  4. Chapter 4: How can I improve my credit beyond disputes?