Tips For Cleaning Up Your Credit Report
It's not easy to clean up your credit report. Not many individuals have a clue of how to do it. The info you find online is many times biased because of commercial intent. So, how do you start to clean up our credit report?
In this article, we will see a few important elements of your credit report and how to improve those.
The first thing you want to do is to get a written copy of your current credit report. Without this, you can't do much so it's important to get it.
The instant you receive your credit report, start going through it and see if you find any false or incorrect records. Take it easy and make sure you check meticulously, because it is worth it. This step is important.
Be sure to take a look at the number of times your credit report was inquired recently. If this number is too high, over 5 for instance, this could have a negative effect on your credit scores. Write down the inquiries that do not seem common to you.
If you've checked everything and found any inaccurate data, you compose a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the essential information, like your full name, current address, social security number etc. Save everything on paper, this means making a copy of your letters.
By taking these steps, you have made the first step to cleaning up your credit report. Do not be satisfied with evading remarks from some call center employee too quickly, and you may be surprised by an improvement in your credit!
In this article, we will see a few important elements of your credit report and how to improve those.
The first thing you want to do is to get a written copy of your current credit report. Without this, you can't do much so it's important to get it.
The instant you receive your credit report, start going through it and see if you find any false or incorrect records. Take it easy and make sure you check meticulously, because it is worth it. This step is important.
Be sure to take a look at the number of times your credit report was inquired recently. If this number is too high, over 5 for instance, this could have a negative effect on your credit scores. Write down the inquiries that do not seem common to you.
If you've checked everything and found any inaccurate data, you compose a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the essential information, like your full name, current address, social security number etc. Save everything on paper, this means making a copy of your letters.
By taking these steps, you have made the first step to cleaning up your credit report. Do not be satisfied with evading remarks from some call center employee too quickly, and you may be surprised by an improvement in your credit!
About the Author:
Jill writes about financial matters and credit scores. She also writes about lenen zonder bkr registratie and lening afsluiten in Dutch.
posted by Credit Counseling at
5:41 AM
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