Stop paying high fees to attorneys and credit repair services when you can reach the same goal for a fraction of the cost on your own. It does not take a lawyer to clean up your credit history. This simple step-by-step guide to remove derogatory items from your credit report will remove negative items relatively easily, with just an investment of your time and the cost of a few paostage stamps. There is no limit to the things that you can have removed including charge-offs, repos, bankruptcies, judgments, short sales, loan modifications, late payments, and collection accounts. These can all prevent you from receiving the new home or car that you dream of, and in many cases, these bad marks can prevent you from getting a better job or even a credit card! This low-cost Self Help Guide to Credit Repair can help to make your credit report look like a shining star, and your credit score to climb to the point that creditors will be offering you credit.