For the sake of your credit score, it’s time to stop thinking about “credit repair” as a dirty word. Unfortunately, this invaluable process has gotten a bad rap thanks to shady credit repair companies that take advantage of consumers. That’s why if you find yourself asking “How to clean my credit,” DIY credit repair is your answer.
Like it or not, cleaning up your credit often means writing letters to credit bureaus, creditors, and collection agencies. Fortunately, you need not pay a lawyer or a credit repair company to do it for you. But you also need not start from scratch. Here you’ll find links to several credit repair letter templates you can tweak and use for free.