2007-03-04 16:55:47 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
Obtain a free copy of your credit report from the free gov't website. http://www.annualcreditreport.com , look for any discrepancies and dispute them with the bureaus, additionally look at your report to see what accurate items are causing the damage and work on them. Listed below is a site which has additional info and some great sample letters.
2007-03-04 17:53:15 · answer #1 · answered by Mariposa 7 · 0⤊ 0⤋
You can find information on your credit report at a credit bureau. It is better to contact all 3 of them. Make sure to check your credit report because up to 70% of Americans have errors in their credit reports. Inform the credit bureau about the mistake. The decision will be made in not more that 30 days. If your credit report is correct it will remain unchanged for 7 years (information on bankruptcy is kept for 10 years). There is no LEGAL way you can 'clear out' your CORRECT credit report. Anyway, the best way to have a good credit report is to pay off your bills on time!
2007-03-04 22:10:29 · answer #2 · answered by Shirrwood 2 · 0⤊ 0⤋
DO NOT USE freecreditreport.com !! DO NOT !!
The site will allow you to get your credit report for free, sure, but in the fine fine print you have to enroll in a program that will cost you money later, a lot.
New laws allow you to obtain a real free copy of your credit report, atleast in my state it does. Check the laws in yours.
But, if you want to save that research time, just apply for a credit card, go try to buy a new car, something you think you will be refused for. By national law the people that refused you must send you a letter stating why. On that letter will be the names and addresses of the 3 credit reporting companies, and the procedure telling you how to obtain a copy of your credit report.
Once you get that report and there if there IS something negative on it , you will need to find that company / person and make arrangments to settle that debt.
And applying for a credit card does not lower your credit score, it shows up as an inquiry of your credit, which does not affect your scoring. Any company can see it as just an inquiry.
2007-03-04 17:08:23 · answer #3 · answered by rktavi 3 · 0⤊ 0⤋
I hope this helps you:
How to Clean Up Credit Report: Before approving your loan, your lender contacts the credit bureaus to get your credit report. Bad credit report will severely restrict your credit. In some cases, you may not even get the credit. So it is vital to get your credit report cleaned. To enable you to achieve that you have to alter your financial habits
2007-03-04 22:29:38 · answer #4 · answered by hendy h 2 · 0⤊ 0⤋
https://www.freecreditreport.com
What do you mean clear it? You can contest incorrect information and they may remove it. But if you have applied for 20 credit cards in the past year, they won't leave your credit report for up to 2 years. Anytime someone does a credit check on you for a loan, credit card, whatever, it lowers your credit score.
2007-03-04 16:59:08 · answer #5 · answered by chattychica04 2 · 0⤊ 1⤋
I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.
2007-03-04 18:48:48 · answer #6 · answered by Anonymous · 0⤊ 0⤋