Another avenue available to consumers that want to restore their credit but don't have time to research these laws is hiring a professional credit repair organization to initiate process for them. To mention one, Millennium Credit Service offers affordable credit restoration services for its clients along with other services, and their website is located at http://www.millennium-credit.com. If you decide to hire a credit repair company, it is strongly suggested that Credit Repair Organizations Act be read, and this law can also be viewed on FTC's website.

The word to be when trying to restore credit is "vigilant," because this can be a daunting task, but repairing credit can be accomplished by average consumer. If a copy of credit report has been procured, then it is time to go to work, first ensure that all personal information contain in report is accurate and up-to-date. A consumer can lose very valuable credit points by information contained on credit application and what is contained on credit file not matching. Most consumer reporting agencies will have a form that allows to update information contained in personal section of credit report, if this form is not present, create one with incorrect information above correct information and instructions on what is suppose to be contained in report.

The next phase will be to correct or delete accounts that are not yours, or contain outdated entries that should have been removed from file based on laws contained in Fair Credit Reporting Act. The types of entries that can be deleted are most revolving and fixed accounts that have been closed due to non-payment with a date of activity of seven years ago, and bankruptcies after ten years, and majority of court related rulings can also be removed after seven years. Disputed accounts have to be investigated, and it is responsibility of credit grantor to proved that account belongs to person disputing it.

Using disputing process of law is a way to ensure that consumer reporting agency is reporting correct and up-to-date information on consumer, but also under this same law it is illegal to dispute information that is accurate and correct. The good news is that accounts that have been paid off and are in good standing can stay on your credit report indefinitely, and this can work to your to your benefit because it allows reporting agency to report only good credit once credit file has been restored and maintained.

4. Dirty Bathrooms

The heading says it all. You should know what needs to be done.

5. Dark Rooms

Dark homes are a turnoff to most home buyers. Install additional light fixtures, if required. Draw open drapes when buyers come over. And do whatever it takes, to make your home seem more bright and welcoming.

6. Damp Basements

Dampness or damp smells in basement may cause your buyer to think that basement leaks even if it doesn't truly leak. Fix any leaks, if at all and ensure that whatever source of dampness, it be dealt with. It may be caused by rainwater or underground drains being blocked. Have it checked.

7. Don’t Hang Around for Showings

Leave house during showings or stay away from buyers while they go through your home. They may feel awkward about opening closet doors and taking a really good look at house if you move around with them all over house.