Your Credit Pathby Jeannette Perez
CHAPTER 3 OF 4PAGE 11 OF 21

What is DIY credit repair?

7. Consider different account types carefully

Do not open accounts just to collect different credit types. First consider whether you need the account, can afford its terms and can manage it responsibly.

Your Credit Path strategy emphasizes understanding before applying. A secured card or credit builder product may be something to research, but compare fees and reporting terms and avoid taking on unnecessary debt.

Next: 8. Review before closing accounts

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?