cleaning up your credit report?

Question

hello, i have gotten copys of all 3 credit reports , there were at least 12 on each that should not be on my report and some items that were paid , and this is not noted on the reports , my question is they the credit reports will investagate . what do you think my chances are that they will update and delete certin items ?

Answer 1

"Improving Your Bad Credit Report: If you have a bad credit record, check the reason for this report. If the reason is due to late or non-payment on your behalf then, start making the payments to the lender and clear off the debts quickly.

Dont make late payments. If you are not in a position to pay due to shortage of money then limit your spending.

Paying off your huge debt in small amounts.

The credit bureaus can also make mistakes. They store the ratings of many people and are they too can make mistakes. They can enter wrong details about you. So check!

Ask for a copy from the bureau contacted. Read the information completely and note down any errors. It is bureau’s duty to have a look into matter, report the facts and send the corrected details to the lenders who have turned down your request for credit."

Answer 2

"The credit bureaus can also make mistakes. They store the ratings of many people and are they too can make mistakes. They can enter wrong details about you. So check!

Ask for a copy from the bureau contacted. Read the information completely and note down any errors. It is bureau’s duty to have a look into matter, report the facts and send the corrected details to the lenders who have turned down your request for credit."

Answer 3

Dispute all the invalid information. It is true that credit bureaus can make mistakes.

Answer 4

make sure the balance is not 0

sometimes if you pay it off it stays on your report for certain reasons
if the balance is not 0 and you know for sure you pd it off
call the company and tell them they have not fixed it on the report they will fix it