How to Fix your Credit without Paying

There are many credit tools out there, but i found the one I liked and used was "Credit Versio." Instead of calling someone up and having them dispute items on your credit report, one or two items at a time, once a month, I disputed all my items and will dispute them all every month, using Credit Versio, for 1/20 the cost. Credit Versio is 19.99 and comes with addresses to equifax and within a neat web form, has preset disputes for each item and the transaction ID built in. You then print out the letter and your ID after emailing it to your email address and send each letter to Equifax, TransUnion & Experian.

Kinds of disputes I used: "I was in and out of the hospital during this period and my expenses were out of hand"

"I have changed careers and my finances have changed"

"I do not remember being late for this payment"

"I do not know who this creditor is or what the charge is for. "

"This cannot be the original creditor I have never done business with this company."

It helps to use the truth with the credit companies because that seemed to work and the points came off. 

However if you don't want to use Credit Versio, the address for Transunion is P.O. Box 1000, Chester, PA 19022 and the address for Equifax is P.O. Box 740256, Atlanta, GA 30374-0256 and the address for Experian is P.O. Box 4500, Allen, TX 75013. Contacting the credit monitoring and reporting bureaus is free. 

Send them the details of the transaction and why you want to dispute it, and if all else fails, negotiate a payment plan until your credit is better.