You just need the information to help you with your self help credit repair plan, and it has to be the right information.
Make sure while you are searching for the right way to build your credit score that you are getting your information from a credible source.
There is a lot of great information out there on fast credit repair strategies, but it is also mixed in with a lot of suggestions that will not help.
Sadly, some of the suggestions will not only waste your time, but they can damage your credit rating even more.
Take piggybacking for example.
Many credit counselors recommend that you piggyback off someone else's credit in order to get a quick boost in your score.
That was good advice in the past, but in 2008 the Fair Isaac Corp (the company known for the FICO score) changed the way they calculate your score.
One of the biggest changes was specifically targeted to stop piggybacking.
This was a loophole in the system that too many people were taking advantage of.
Now it no longer works.
Make sure the information you're receiving is not only credible, but it is updated and accurate.
Learning how to repair credit on your own it not a difficult process at all.
In fact, you can do the exact same thing credit counselors charge thousands of dollars for.
The only difference is you can perform these exact steps for free.
This makes self help credit repair the sensible thing to do.
The secret in performing self help credit repair is acting fast and targeting the areas that will have the greatest impact on raising your credit score.
Not a difficult process at all - you just need to know what to focus on and the steps to do it.
All it takes is understanding how your FICO score is calculated, identifying the negative items on your credit report that you can instantly remove, and the process to make it happen.