5 Credit Repair Secrets To Better Your Credit Report: 1. Negotiate Outstanding Balances (contact creditors and negotiate a deletion letter or lowest possible paid in full.) NOTES: Avoid Settlements, Always Ask For A Demand Letter Before Making Payment 2. Investigate Items On Your Credit Report (verify all negative items reported to bureaus by your creditors.) NOTES: Save 45 Days! Send Verifications With Your Request: Driver’s License, Utility Bill, and Social Security Card 3. Personal …