Thanks for your submission. I would love to opinion that the first thing you will need to conduct is determine whether you really need fixing credit. To do that you simply must get your hands on a replica of your credit report. That should not be difficult, since government mandates that you are allowed to be issued one cost-free copy of the credit report yearly. You just have to consult the right people. You can either read the website owned by the Federal Trade Commission or perhaps contact one of the major credit agencies straight.