There are two simple steps to clean up a person's credit report. First, any erroneous or incomplete information should be removed. Second, new, good credit should be placed on the credit report by effectively using your credit over a period of time. Once these two processes are complete, a person's credit report will be rehabilitated. Using these techniques, we have had people tell us that they qualified to purchase a home, with A-credit, in as little as 2 years after a bankruptcy filing!

This process cannot be done overnight. In fact, it can take as much as a year or two to complete the process. Once again, it is not complicated. Rather, it just takes a bit of perseverance to stay at the process.

We have prepared a booklet that discusses how to perform these two procedures in greater detail. Our materials tell you who to write for credit reports, what to look for and where you can look for new credit. It even has form letters that you can use if incorrect information is on your report. This booklet is available for free to clients and former clients as part of our "alumni" program (See the "For Clients Only" button on this site). Others can purchase this material for a small fee by using the "Products" button.