What is the best, fastest and easiest way to LEGALLY improve your credit scores with the 3 credit bureaus?

Question

I have been paying on time, but want to clean up old and outdated info.

Answer 1

Order paid reports from each CRA.
Disputing by using paid reports only gives the CRA's 30 days to investigate (plus an extra 5 days to mail the results) Using the free reports gives them an extra 15 days to investigate, which could mean something remaining instead of being deleted.
Don't use the tri-merge reports because they are generally inaccurate themselves.

First update your personal information.
Dispute off old and/or inaccurate names, old/inaccurate address, etc., etc.

Then look over the negative trade lines for any inaccurate reporting (you might want to do some reading in the FCRA to learn what is accurate/inaccurate reporting) Dispute anything that is inaccurate.

One thing to keep in mind, if a trade line is reporting several inaccuracies - only dispute one thing at a time on a single trade line. If it is corrected or verified, that will still leave you something else to dispute without getting a "previously verified" response from the CRA's.

Before you dispute any negatives, be sure that you are out of the collecting SOL for your state. If you dispute while still within the collecting SOL and hadn't heard from the collectors in awhile, you will if you dispute their trade lines

Never contact the CRA's for "anything" while you have a dispute going on. Even if they write to you for more info. Wait the full 30+5 days or until they have finished their investigation to contact them. If you contact them for anything while you currently have a dispute going, that will give them an extra 15 days to investigate your dispute.

You might click on my profile and click on some of the links I have listed - the FCRA, etc. There is also a link where you can check the collecting SOL for your state.

Answer 2

You first need to order from all 3 bureaus. Over the last week I have become obsessed with my credit repair. It is a long process and you must be willing to put in the work. I have done many different things and one night I stayed up all night typing up letters disputing things on my credit. A lot of the research I did online but I just received a book that my husband and I order called credit secrets bible and I have read so much already. It contains many important things that you should know about your credit and how to improve it. The cost is 67.75 which you can pay C.O.D There is so much valuable info in there that it is worth it. We ordered it Monday night and it was here by Friday.
Good Luck!

Answer 3

There is no way to erase bad credit from your credit report, but you can improve it. You can start by pulling your credit report form all three credit agencies which are Experian, Equifax, and TransUnion. Then, follow these simple guidelines to help restore and improve your credit score.

First, make sure all the information on your credit report is accurate.

Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.

Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.

Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.

Repairing your credit and improving your credit score is a slow process that takes time. Just be patient and follow these steps and you should be on the road to better credit!

Answer 4

Paying off a card doesn't really improve the score. Paying regularly will, and not missing payments will. Paying off the card will save you money in interest payments. The credit bureaus receive the info monthly and update your scores accordingly.

Answer 5

How my boyfriend improved his credit he just got a samll $500 loan from his bank and payed it off real fast. Another way to improve credit is by only making small purchases with your credit card and paying it off fast.

Answer 6

May I suggest that you visit http://www.thecreditrepairmanual.com there you'll learn how to improve your credit score, dispute old accounts, and see examples of professional dispute letters.

Answer 7

Try https://tr.im/1R8Wv