Get the information you need for your
Credit Issues.
Top 5 steps for credit repair:
Get a copy of your credit report from all 3 bureaus
You are entitled to a free copy of your credit report one time per calendar year from all 3 agencies. You should do this regularly to make sure that all of the information on the reports is accurate and up to date.
Contact the credit bureau if there are any errors in your report
If you find an inaccuracies in any of the 3 reports, contact the agency immediately in writing to fix the error. the credit bureau must investigate each dispute. A disputed item must be verified or removed.
Pay off all of your outstanding debt
Come up with a plan to pay down all of your debt on your credit report. Paying off your debt will improve your credit score. If you can show a history of on time repayment of your debt that will help too.
Take care of any collection accounts
Get an agreement in writing before sending in your payment. Paid collection accounts are much better than unpaid accounts. After you pay get any negative comments removed from your report as well.
Part of credit is building good credit
Build a solid credit history going forward by opening a checking and savings account at your local bank or credit union. You may also be eligible for a secured credit card that will also help you rebuild your credit if you pay on time and keep your balance low or zero.
Credit can save the day.
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