It’s time to clean up your credit report, but first you have to get a copy of it. You can get a copy if you were denied credit by a company that you applied to. You can also request free copies of your credit report once a year, and the easiest way to do that is with that great little invention called the internet. In less than 5 minutes you will have that report right in front of you to review.
Print it out and let’s begin.
Go to: www.equifax.com
www.experian.com
www.transunion.com
Start by circling whatever you feel is in error or inaccurate. Info that is inaccurate can be disputed with the creditor or the credit reporting agency. Dispute with the agency based on whatever report contained the error. Once the dispute is filed, the agency will begin the investigation by contacting your creditor. The whole process takes about 30 days, and if the error you disputed is in fact an error, your credit report will be updated. If you have the same errors on all three reports, you will have to contact each agency separately. There is no charge for disputing errors. Also if there is really old info on the report, try to get that...
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