Removing Negative Points on Your Credit Report

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Credit reports and credit scores play a huge role in determining many credit-based decisions that Americans make on a regular basis. Every year thousands of families are unable to receive the credit they need because of those few little numbers. But what if your credit report is wrong? A recent study showed that 79% of credit reports in America contain incorrect information. Odds are that there is some bit of information on your credit report that needs revision.

If your report is one of the multiplied thousands that contain errors, there is something you can do about it! Did you know that American citizens have the right to contest false information on their credit reports? It’s true! In fact, a number of organizations exist completely for the purpose of helping families to repair bad credit (the DSI Credit Repair Service and Lexington Law Firms, just to name a few). You can hire a consultant to give you credit repair info, or you could follow a few easy steps and fix it yourself! Here’s how:

Step 1: Get a copy of your credit report. You can do this online for a minimal fee, and in some cases, for free. Experian, TransUnion, and Equifax can provide you with this.

tep 2: Evaluate your credit report. Look at your report and decide what aspects of the report might be hurting your credit score. Things like bankruptcy and foreclosure are obviously damaging, but smaller problems like late payments and too many credit inquiries can hurt, too.

Step 3: Write to the three Credit Reporting Agencies. Experian, TransUnion, and Equifax hold the keys if you want to repair bad credit (their addresses are available online). In your Credit Dispute letter list the erroneous charges on your credit report. Send your letter Registered or Certified Mail, and be sure to include copies of any proof you have in regard to the misinformation

Step 4: Wait to hear back. Credit Reporting Agencies are bound by law to investigate any dispute you have with your report within 30 days, so you should hear from them fairly quickly.

Step 5: Repeat the process, if necessary. If the report was not repaired to your satisfaction, try again. Send another Credit Dispute letter, giving more specific detail of the errors (i.e. dates, specific amounts of money)

Step 6: Verify your credit report. Request another copy of your report, and check to make sure that the incorrect items have been remedied.

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