Article by Ferragus Lapointe
Surefire Ways To Repair Bad Credit Report –
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You can improve your credit report but there is no magic button that you can just push and makes all the negative items disappear. You must make the effort to remove the negative items. All this cannot be done overnight.
In this article, we will try to provide you some tips that you can use as a guide to fixing your bad credit report.
The first step you need to take is to get your full credit report from 3 credit reporting agencies. These three credit reporting agencies are: Experian, TransUnion, and Equifax. To contact them and get your credit report, you can use this website: http://www.annualcreditreport.com Note that you don’t need to pay any money to get your credit report.
Once you have got your credit report, go through it thoroughly and identify any item that you find strange or inaccurate. If you see items that you don’t recognize, don’t be afraid to dispute it with the agencies. Because the agencies will not know whether those are the legitimate items or not, only you will know about this. In order to fix your credit report you must be proactive, the credit reporting agencies won’t fix things if they don’t know about them.
When you find an item to dispute, you have a few options. You can mail a dispute form to the credit reporting agency. This is the method that we would recommend anyone to do. You can also dispute the information online with the credit reporting agencies, but it is not as reliable of a method, since you don’t have a good paper trail in case you need to follow up on items. Make sure you get yourself organized and make sure you have a good filing system. You must keep all the correspondences when you are disputing the items in your credit report so that you can keep track of them.
Be patient and give the credit reporting agencies sometimes to investigate the items you submitted to them. When they have finished with their investigation, they will send you a new credit report.
Now, make sure you go through the new credit report thoroughly and make sure you compare it with your old credit report. Some of the negative items should be disappeared. Again, don’t be afraid to call the credit reporting agencies to clarify something that you are unclear of.
Another thing you should remember is that never take this new credit report as the final one. Go through every item carefully and try your best to remove the negative items so that more positive items are shown in your credit report. That is how you fix your credit report, there is no short-cut!
So, if you want to fix your credit report, make sure you read this article again and follow the tips that we have just shared with you. We hope that you find this article on how to fix and improve your credit report useful. Remember that there are some works involved in fixing your credit report, there is no magic bullet to fix your credit report.
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