I know this article may have started out a little on the dark side. I will need you to keep the faith, and I promise that there will be a pot of gold at the end of the rainbow. With that thought in mind please keep reading! You are just a few sentences away from discovering how to skyrocket your credit score through the roof. Keep that image planted in your minds eye and lets proceed to the first step... Shall we?

In order to really get the ball rolling you first need your credit reports in hand. Take note that I intentionally put a "s" at the end of the word report. That's because you are going to need to request all three of your reports from the credit bureaus. Thanks to the Fair Credit Reporting Act each and every U.S. citizen is entitled to at least one free credit report per year. Personally I recommend that you check your credit two times a year.

Let's cruise on to step number two. If all has gone well you should now have all three credit reports in your hands. It's time to check off all of the negative digs that you find on your credit report.

Now it's time to roll up your sleeves and take the gloves off. At this point you should have all three of your credit reports in your hands. You will need to write a letter of dispute - disputing all of the negative marks that you highlighted in the previous step. Now for the part that most people screw up on. When you mail your letters of it is crucial that you send all three of them via certified mail.

You want to send your dispute letters certified mail because the receipt from the mail will be the only acceptable proof that you will have. Now the clock is ticking. The ball is rolling. The credit bureaus now have 30 days to investigate and respond back to you. If for whatever reason the credit bureaus should fail to do so by law they have to remove the negative mark from your credit report.

Nine out of ten people unfortunately fail to understand the significance of the strategy that I have just explained. I know that I didn't understand it at first. Then I realized that simply by removing a single charge off from my credit report that my credit score could go up well over 100 points. I'm sure that you would agree that in the current economic situation that we all could use all the buying power that we can muster up.

Go my friend and apply your newly found knowledge regarding raising your credit score. Make sure you spread the word around, and once person at a time we can all