When you approach a lender and you are unsure what is on your credit report, you would be wise to have a fall back plan in case the lender determines that you are not credit worthy. If you were “young and stupid” in your financial handling, you are probably going to need to perform some credit repair. Don’t let this bring you down. A great many people are young and stupid and plenty more will be too.

The smartest strategy is to take the bull by the horns and start working toward your goal of ‘good enough’ credit so you are able to do what you set out to do.

Request a copy of your credit report from your loan officer. Even better, ask them if they use CreditBlossom.com. If they already use that site, your loan officer has unique access to a tool that will allow them to help you help yourself in a way that no other web-based credit repair toll offers. But even if your loan officer doesn’t know about this resource, it is something you can use on your own too.

The web site will walk you through the CreditRepair process and will enable you or your loan officer to create your credit repair letters in just a few minutes. It is really very cool and simple to use.

Credit repair really is not brain surgery. Don’t fall for the ads from credit repair companies. They only talk about “millions of items deleted” is because in actual fact, it isn’t that difficult to get stuff wiped away. But they are able to charge an arm and a leg because they are relying on their customers’ ignorance. At the end of the day, the process is fairly straightforward. It appears a little complex because it is unfamiliar to you. Look at it slowly. Read through Creditblossom.com carefully. Watch the videos and learn self credit repair the easy way.