Regardless of your record or history, good, bad, terrible - there are a number of quick & easy steps you can take towards credit score repair. It's never too late, and costs nothing, yet the results can be huge!
You can begin by ordering a copy of each of your credit reports, going through them, and understanding them. There are three different credit reporting bureaus, and each one may have slightly different information.
The law entitles consumers to a free copy of the credit report, one from each of the three agencies: TransUnion, Equifax, and Experian. You are able to get one from each bureau every year.
(Since you get one each year from the three agencies, some people order one at a time. This lets you get a current credit report every few months).
The Federal Trade Commission, or FTC, has set up a website where you can order them: annualcreditreport.com. Be careful of any other website that claims to offer you free reports - this is the "official" site, and any others have strings attached.
As soon as you receive your reports, you can begin the process of credit repair. You will start by going through these files line by line.
Along with the report, you will get a "dispute" form - or an address where you can get it. This is where your initial credit repair efforts will focus.
For every entry that is incorrect, inaccurate, or outdated, you will be filing a dispute. Provide the correct information, or why it is incorrect, such as a debt that has been paid but not removed.
Each credit reporting agency has up to 30 days to either verify the information, or they must remove it by law. Even if the information is accurate, if they don't verify it in time, it gets removed.
This simple step can remove many of the negative strikes against you, and they will no longer count towards lowering your credit score. In many cases, this can lift your score by up to hundreds of points!
Click Here To Learn More Steps To Easy Credit Score Repair!
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5 years ago
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