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First of all, obtain a credit report from all three bureaus and what is being reported by each. Everyone is allowed one free credit report from each bureau per year. Go to https://www.annualcreditreport.com to get those reports.

Once you have obtained your reports, review them and make notes on any suspected errors you see. After that you can either call each bureau, write each bureau or even file disputes on-line with each bureau. Each report should have the information needed such as an address and phone number to call to file disputes.

Once your dispute is filed, it may take up to 30-45 days to see results.

I have included the links on the "Know your source" area. The one for the FTC is a document regarding the Fair Credit Reporting Act. Print it out and read it thoroughly. It explains what can be reported, how it can be reported, for how long it can be reported etc.

Don't bother with Credit Repair companies. They are pricey and you can do this yourself for free!

2007-05-30 06:27:14 · answer #1 · answered by Anonymous · 1 0

Order a credit report from all 3 credit reporting agencies.
* Equifax: 800-685-1111; www.equifax.com
* Experian: 888-EXPERIAN (888-397-3742); www.experian.com
* Trans Union: 800-916-8800; www.transunion.com

If you have been denied credit recently then you are entitled to a free credit report from the agency that provided your report to the lender who denied you. Some of these also provide a free report each year.

When you receive the report there are instructions with each on how to dispute a entry. Read it carefully and dispute any entries that are in error. Be honest and precise in your dispute. The agency is required to investigate the dispute and while it is being investigated it will be deleted from your report. If your dispute is correct it will not be re-added in 30-90 days
activities over 7 years old other then bankruptcy or court judgments should not be in your report. If you see any of these then dispute them. In many cases debts may be sold to other lenders or collectors. If you see a company you don't recognize then check the amount and see if someone has bought your account. many of these may agree to settle an account for less then you owe if you contact them and make an offer. This won't be a sterling entry in your report but it's better then delinquency.

2007-05-30 06:29:29 · answer #2 · answered by Anonymous · 0 0

Pay your bills on time. Get a free credit report off the Internet and call the companies to dispute errors.

2007-05-30 06:19:44 · answer #3 · answered by grouki 2 · 0 1

Just go to the website for each of the 3 credit bureaus, you can file the disputes online. It's so easy, I just did it. But first, get your free annual credit report, you can do that through the credit bureau websites too. That way you can site evrything that is inaccurate.

2007-05-30 06:18:03 · answer #4 · answered by Ken 3 · 0 0

Get copies of your credit reports from all 3 agencies - TransUnion, Experian & Equifax. You are entitled to one free credit report from each company each year, visit annualcreditreport dot com.

Then review your credit reports and write a letter to the agencies (mail it certified with return receipt) requesting them to investigate any negative ratings - you must specify which account you want them to research and include a copy of your driver's license. They must research them within 30 days. If they don't have a resolution within 30 days, the item has to be removed.

If they respond and decide not to change it, keep writing back to have them reinvestigate. It can take a while, but keep doing it and your score will eventually start raising. Most credit repair agencies will do this exact thing for you and charge you for it - when you can do it yourself for free.

2007-05-30 06:26:11 · answer #5 · answered by ken_ken0730 2 · 0 0

1- make sure everything on your credit report is true,
2- pay your bills ont time,
3- pay your old debts,
4- Get some credit (that counts at the credit bureau) and ALWAYS pay your bills 10 days in advance,
5- If you have a credit card, you can max it out every month and pay back the entire balance every month.

2007-06-01 07:16:56 · answer #6 · answered by Jimmy John 3 · 0 0

each little thing you point out is basically trouble-free impossible, and not even life like if it have been. If a dispute is sent to a credit bureau they have 30 days to inspect and attempt to substantiate the accuracy of the article being disputed. in the event that they fail to substantiate it interior of that element then they must do away with it out of your credit document. All of this could take longer than 30 days, so under the terrific of situations if each disputed merchandise ought to no longer be shown you nevertheless does no longer make it. How could you advise to "freeze" your credit record? there is not any such situation. tips from lenders is as much as date month-to-month, and no person is approximately to freeze something. fake Social secure practices numbers are basically trouble-free fraud. you do no longer want to circulate that direction. there's a manner you should use that would artwork to get even valid destructive products off your credit record. i comprehend this works by using fact I relatively have finished it. in case you ask a credit bureau a thank you to get valid destructive products off your credit record they're going to inform you it can not be finished, yet they are incorrect. i've got finished it. What you do it to deliver a handwritten letter to the credit bureau (Experian, Equifax, or Trans Union) the place the destructive merchandise shows up, and state relatively bluntly that the destructive merchandise isn't yours, it ought to belong to somebody else with an identical call, which you have by no potential been in touch with regardless of this is, that this mistake is detrimental your credit and you want it bumped off at present. they're going to ought to inspect it, and in the event that they might't get it shown, they're going to ought to do away with it. this would possibly not artwork the 1st time, and it could take various tries over some months or in step with probability a twelve months to get it off. yet once you keep sending dispute letters quicker or later somebody won't make the time shrink, and stale it comes. basically keep in mind that that's no longer a 30-day technique in any respect, and it ought to even take a pair of years. I did this and over the years destructive products could disappear one via one. that's no longer a question of disputing errors. this may be a rely of having valid black marks off. deliver sufficient dispute letters and at last those issues will circulate away... in step with probability.

2016-11-23 18:18:30 · answer #7 · answered by alexine 3 · 0 0

First you need a copy of your TRW report. The phone numbers will be listed for each item showing on the report, start from there, but be warned it is a slow and frustrating process.

2007-05-30 06:17:02 · answer #8 · answered by sleepingliv 7 · 0 0

Search the internet for a reputable credit repair compnay. Check the Better Business Bureau before you go with them.

2007-05-30 06:16:09 · answer #9 · answered by Jade 3 · 0 2

fake your death and start a new life

2007-05-30 06:16:43 · answer #10 · answered by Anonymous · 2 0

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