There are a few basic steps to cleaning up your credit reports, and thereby improving your ability to borrow money for investments, long-term beneficial purchases, college education, a new car, etc. This section will lead you step-by-step through these easy to learn procedures.
Step #1 -- Request credit report from each credit reporting agency in your area.
Step #2 -- Dispute all inaccurate entries in writing and mail to respective agencies.
Step #3 -- Review updated credit reports you'll receive in 60-90 days. Detect any items which were not removed into another letter (basically repeting Step #2 until erroneous entry has been removed.) Mail this letter 120 days from last updated report you receive.
Step #4 -- If all else fails, you can write a 100-word statement entry that explains your side of the story for entries you cannot get removed by any other means.
For more information on how to fix your own credit, visit:
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