Many people are saying to themselves, "I need to clean my credit report!" They want easy solutions to clean their credit report up. Repairing a credit report can seem like a very difficult task. It's really not hard if you know the right steps. Read on and discover the 3 steps that you need to take to clean your credit report up.
First, it's important to request your latest credit report from the 3 major reporting agencies of TransUnion, Experian, and Equifax. According to the law, you can receive 1 free report from each of these agencies once a year. Scores usually range between 500 – 800. The higher the score, the lower the risk you are to lenders. Simply go to AnnualCreditReport.com to get your free copies.
Second, give your credit report a closer look. If you discover mistakes in one or more of your reports, they can be fixed. Make a copy of your report and circle every item you believe is incorrect. Look for items such as accounts that don't belong to you, errors on your credit limits, and other inaccurate items.
Third, put mistakes that you found in writing. Write a letter to the reporting agency (the address will be printed on the report). Explain each dispute and request an investigation to resolve the issues. If you have paperwork to support your claim, send it along with your other information. However, be sure not to send the originals
Use certified mail to send all items, return receipt requested, so that you have proof that the packet was received. Mail the same letter of dispute to the creditor whose reports you don't agree with. Get in touch with all three major credit bureaus to make sure the problem is fixed.
Above all, be sure to take action to clean your credit up. Just takes a few simple steps and will pay off in the long run. Credit will not just fix itself. But by following these 3 simple steps, you can know how to clean your credit report up.