Having a poor credit score is one of the biggest challenges. It is hard to get newer loans with them, and even if you could, the interest rates are higher than what any other person with a higher credit score would pay.

Cherry on the top is credit repair companies that claim to fix credit scores for you but are often expensive and do not work most times. So, this is a guide I came across - The Space Shuttle Strategy Credit Repair Guide, which educates consumers on analyzing and improving credit scores on their own.

The first few steps are to analyze the credit report, find anomalies and negative items, and then start disputing them with a letter. DisputeBee and Credit Repair Cloud are two tools that make the disputing process easier. But remember, dispute letters just don't work in the first go, at least most of the times. So, you will need to keep sending dispute letters to the creditors.

If it is hard for you to choose a credit repair software, you can just refer to this comparison guide on DisputeBee vs Credit Repair Cloud which helps you get a better clarity at which is the best tool.

Once your scores are up, this not where you stop. You need to maintain these scores by following responsible credit behavior, such as following timely payments, better credit limit and management, and more. All explained in the credit repair guide.

What do you think? Let me know.