Fixing your credit score will help you qualify for better rates on home loans, auto loans, even insurance premiums.

Often, following a written plan to repair your credit, a dedicated individual can fix bad credit in as little as 90 days.

Here is a 5-step way to get better credit quick. You can start cleaning up your credit reports, improving your ability to borrow money for investments, a college education for you or your children, maybe even a new car or a new home. Take each step one at a time. But begin today to fix your credit fast.

Step #1 -- Request your credit report from each credit reporting agency. To get your free credit report, click here.

Step #2 -- To learn how you can comprehend your own credit report, read: How to read and understand your credit report at FindHow2.com. This guide will help detail what to look for to locate outdated negative information, as well as describe credit rating codes that affect your FICO credit score.

Step #3 -- Take the time to review and write down all erroneous marks you find. Now you can dispute credit entries in writing and mail to those agencies. Keep copies for your records. For full details on how to repair your credit report, click here.

Step #4 -- Review updated credit reports you'll receive in approximately 30 days. Check closely for any items which were not removed that you indicated in your first letter, and put these into another letter (basically repeating Step #2 until the erroneous entry has been removed.) Mail this letter as soon as possible, so that you will receive your next reply within 60 days of starting the process. For more information on disputing credit entries, click here.

Step #5 -- If at the end of 60 days you still cannot get the item removed from your credit report, you can write a 100-word statement that explains your side of the story for entries you cannot get removed by any other means. For more information on improving your credit score, click here.

Summary: You have every right in the world to dispute and demand that errors be removed from your credit report. Yes, you may have had a bad credit experience years ago, but the law states that these negative entries must be removed after a certain period of time, often in as little as 2 years.

It's not uncommon that when you do a credit check on yourself, you will find these types of unflattering derogatory marks on your credit file, and by taking the time to dispute them, you can immediately raise your FICO credit score.

More helpful advice and information on credit repair can be found at Findhow2.com.

Plus: Here are some free tips to help you consolidate credit card debt ... Credit Consolidation Tips.

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