Repair
The first step in getting your financial life back is removing inaccurate information from your credit report. The law allows any consumer to challenge in accurate information on their credit report if that consumer feels that the items are in accurate.
Rebuild
The second step to restoring your credit is to rebuild it while we work on removing inaccurate information. It’s not enough just to remove negative items, but you must prove to the FICO and creditors that you can make your payments on time.
Raise your score
The third step to restoring your credit is to focus on raising your credit score. As we all know, the credit score is the number one factor when it comes to getting approved for a loan. If you have a low credit score, you can get denied or pay high interest rates.