Are you looking for bad credit repair help? This article was written for you with a focus on revealing the credit repair secret that will improve your FICO credit score.

Bad credit repair does not necessarily have to be a difficult process; although you do have to be dedicated to the credit repair process. The real credit repair secret is that it takes time and effort to repair the worst of credit scores. However, do not get discouraged about your bad credit score; there are a couple of steps that you can take to raise a bad credit score.

The best thing to do to accomplish bad credit repair, is to list all of your debts and especially those debts in collections, including the 90 day late payments.

Next begin contacting your creditors one by one; whether it’s a collection account (Wells Fargo Collections or Bank of America Collections, or any others). Whenever you contact your collection office for credit repair; fully document your collection telephone conversation or the collection letter correspondence. If you need help with collection letters; here are some free credit repair letters that you can use.

The purpose of contacting your old debts that need to be paid is to work out a payment plan. Bad credit repair starts with getting rid of the old debts and starting things fresh. Collection companies may be willing to settle your debts with you or remove the negative item from your credit report. However, most likely you will have to pay off your bad debts.

In the future, you can improve your credit score by paying credit cards on time (and all other debts). In addition, try not to max out the credit limit on any of your debts. By using smaller amounts of your credit cards, your credit score will actually improve.

This article simply scratches the surface when it comes to repairing bad credit. For a more comprehensive course on credit repair we recommend our free credit repair course. It included the credit repair secrets that you are looking for; including how to stop the collections calls, remove negative items from your credit repair, and boost your credit score back to where it should be.