Here are some more tips to help repair and build your credit:

• Get a copy of your credit report- you can get one free annual credit report at annualcreditreport.com
• Review report thoroughly to check for any errors such as, identification errors, misspelled errors, addresses, name, and date of birth
• Make a list of negative info- past due accounts, collections, student loan defaults, and high credit utilization rate
• File a dispute with credit bureaus: Experian, Equifax, & TransUnion

Here’s a sample letter courtesy of ATYOURBUSINESS.com