When you are repairing your credit report it is important to create positive credit as well as remove negative credit. The simplest way to build positive credit is to pay all your monthly bills on time.

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

Another tip is to remove negative marks from your credit report. This is done by disputing inaccurate or invalid marks.

There are estimates that 1 in 4 people have an inaccurate negative mark on their credit report that is costing them money on higher interest rates. It is your responsibility to know what is on your report and to remove inaccurate marks.

A divorce is a common source of inaccurate marks on an individual's credit report. When a divorcee is occurring the judge will divide the debts between the two parties.

Often one party will not pay their court ordered debts. However these negative marks will be reported on both parties credit report

Frequently the other party will not even be aware of the delinquency until it is too late. They played no part in the delinquency yet their credit will still be damaged. This is an inaccurate mark and when challenged should be removed by the credit bureaus.

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 common for monthly payment amounts to change on debts. However it is also common for the borrowers to not be properly notified. Thus if you continue to make your regular monthly payment your credit will still be reported negatively.

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.

This is an example of a negative mark that should be disputed and removed. There are plenty of other examples of when borrowers have negative marks reported on their credit when they are not at fault.

However the Fair Credit Reporting Act that was passed by congress is in place to protect you from these circumstances. This law forces the credit bureaus to investigate a disputed listing.

The hard part is to submit a "valid" dispute and have the bureaus actually conduct an investigation. Often bureaus respond to dispute letters requesting more information about the dispute.

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.