Steps to Fix Your Credit

So you applied for a mortgage loan, or were thinking about it, but have to work on your credit. Now, fixing credit takes a serious commitment. So if you're not ready to dig your feet in and spend some money, this video might not be for you. Step 1:
Get your hands on your credit. You can't fix something that you can't see. You need to get copies of your credit reports and review them. Visit www.Equifax.com , www.Experian.com , www.TransUnion.com , or www.MyFICO.com to purchase copies of all three credit reports. Step 2:
Commit 30 minutes to reading over your report and understand what it shows.
Step 3:
Pay off all collections and credit cards.
Step 4:
Reorder new credit reports to make sure that the accounts have been updated. Step 5:
Open up two to three credit cards. You can visit www.CreditCards.com and look into opening up a few secured credit cards. In the end, fixing credit is difficult, frustrating, and takes time. Be patient and understand that nothing ever worth having came easy—so get ready to work.