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It is important to build positive credit as well as removing bad credit items when you are repairing your credit report. The easiest way to create positive credit is by paying your monthly bills.

This will create a positive payment history. A positive payment history is almost as important as removing negative marks from your credit report.

In addition you need to remove bad credit items from you report. You can do this by disputing inaccurate items.

There are estimates that 1 in every 4 people have an inaccurate bad credit item on their credit report that is forcing them to pay higher interest rates. You are responsible to remove these inaccurate marks.

A divorce is often a source of inaccurate negative marks. A divorcee judge will often divide the debts between the two parties.

It is common for one party to neglect to pay their court ordered debt. However this results in damage to both parties credit report.

This will happen even if the other party is unaware of the delinquency until it is too late. This party is not responsible for the delinquency but yet their credit is still damaged. This mark is inaccurate and should be removed when disputed.

Another source of inaccurate negative marks is due to lender mistakes. Lenders have humans working there, however their mistake will cost you real money.

It is not uncommon for monthly payment amounts to change on any credit line be it; student loans, credit cards, or whatever. However if you are not notified and continue to make your regular monthly payments your credit will be damaged.

This is a result of you not paying the full amount, even though you were never notified. The lender will report your account negatively month after month and your score will be damaged due to no fault of your own.

These negative marks are not correct, and should be disputed. There are plenty of other reasons for your credit to be reported negatively that is no fault of yours.

The Fair Credit Reporting Act was passed to help individuals that find themselves a victim of these situations. This law says credit bureaus must investigate a disputed listing.

The difficult part will be to get the bureaus to investigate a dispute. Frequently bureaus will respond to a dispute letter by requesting more information about the listing.

I suggest you be patient or you can hire a professional credit repair service. What ever method you choose you do not have to live with bad credit and a low credit score.