Self help credit repair is the way to go.
It will save you thousands of dollars from paying for professional help, and you'll instantly be able to get approved for the loan that you need.
It is not by any means difficult to fix your loan rating.
It is just a matter of knowing how.
The first thing that you wan to do is download a copy of your free credit report.
There are three credit bureaus (Equifax, Experian, and Trans Union), and you can download your file for free from each bureau one time a year.
Make sure you are visiting the official Annual Credit Report site and not other imposters that make you sign up for a trial of their product.
You'll end up getting charged for something you didn't even want.
Once you have a copy of your file, get out a pen and a highlighter.
You want to look for two things when doing your self help credit repair.
The first is the items that are not accurate.
There's a good chance that your report includes items that don't belong to you or not even true.
It's very common to have delinquent accounts that never actually existed or late payments that were always on time.
These hurt your credit score and need to be fixed immediately.
The second thing is to look for the items that are true, but are hurting your rating as a potential lender.
These are the things that are causing you to get a higher rate on your loan or getting denied all together.
All of these negative items can quickly be removed from your credit file with a little work.
Once you remove them all, or even a couple of items, your score will skyrocket the moment they are removed.
As a result, you can get approved for more money and better rates, which means a bigger credit card limit or nicer car.