text: Read the links below, these are some of my favorite sites.  \n\nTo fix your credit, you must first educate yourself on the law, so read the Fair Credit Reporting Act.\n\nThen:\n\nGo to http://annualcreditreport.com and get your free credit report.\n\nExamine it for errors, then send a letter to the credit bureau disputing any innaccurate information.  \n\nSend a letter to each of your creditors demanding that they validate the debt.  \n\nIf you do not get a responce to the validation letter, send a copy of this letter along with another dispute letter to the credit burear demanding that the debt be removed due to "lack of validation".