text: how can we fix our credit score?   read the links below, these are some of my favorite sites.    to fix your credit, you must first educate yourself on the law, so read the fair credit reporting act.  then:  go to http://annualcreditreport.com and get your free credit report.  examine it for errors, then send a letter to the credit bureau disputing any innaccurate information.    send a letter to each of your creditors demanding that they validate the debt.    if you do not get a responce to the validation letter, send a copy of this letter along with another dispute letter to the credit burear demanding that the debt be removed due to "lack of validation".