(Words 277 ) Your credit score is the biggest determining factor lenders look at when assessing your risk for any type of loan. And if you are able to qualify for a loan, your credit score affects the rate you will be offered. Because of this, having a healthy credit score may save you hundreds of dollars every month because you’ll be paying much lower interest rates. When it comes to credit repair it’s hard to know where to go or how to start. Cleaning up your credit report and increasing your credit score will improve your chances of getting approved. The specific steps to credit repair depends on what’s on your credit report. You can visit www.freecreditreport.com to retrieve your credit score prior to searching for a home so that you know if you need to make any repairs. You have the right to question any information on your credit reports that you feel may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, biased or unclear “questionable ” If an item cannot be verified, then it must be removed. It is your responsibility to make sure that your credit reports accurately represent your behavior as a consumer. There is nothing a credit repair company can do to fix your credit that you can’t do yourself so don’t pay huge fees to have someone else fix your credit just give yourself enough time so that you can make the repairs and make sure your report reflects those repairs. Credit report repair may help you achieve the financial freedom you’ve been looking for. For questions about specific issues regarding your credit, please consult an attorney.