If you have been recently turned down for credit you can write to the credit bureau that turned you down and get a credit reportbr Get Organize Circle all incorrect information on your credit report.br Contact the creditors by phone first before you start writing dispute letters. br Start writing dispute letters br Keep a credit repair diarybr Don’t use form letters There are many sites online that give you samples of dispute lettersbr Be persistent, if you don’t owe it, stand your ground.br Be patient, its not going to happen over night.