How to Fix Your Own Credit. Never sign up with a "credit repair" service. They rip you off and don't do anything you can't do yourself. I've written a book (http://amzn.com/1600477712) about this, but some people prefer the picture to the (18) thousand words. This is for all the visualizers!
Late payments can be damaging to your credit, especially if you stop paying your loans for an extended period of time. We've already gone over the repercussions of delinquency and defaulting, but today, we're going to take a look at another method of repairing your credit report.