Repair Your Credit From Home
The first thing you should do when you need to repair your credit is to make sure you understand your rights. Get familiar with the information in the Fair Credit Reporting Act. Once you have a good understanding of your rights, you’re ready to work on repairing and boosting your credit score.
1. Step one in fixing your credit is to know exactly where you stand. Visit annualcreditreport.com to see each of your credit reports from Experian, TransUnion and Equifax in one place, for free. Once you have them, take the time to review each of them carefully for inaccuracies. A common misconception is that the information is the same for all three–false!
2. If you do find errors on your credit reports, you need to repot them to the proper agency. Contact the credit bureau to dispute any information on your credit report that is inaccurate. You may think it’s a difficult waste of your time, but many consumers successfully dispute items on their credit reports all the time. The bonus is that doing so could raise your credit score–even significantly.
3. Next, write a dispute letter to the credit bureau for items you would like removed from your credit reports. You can dispute items via the internet, but most people have better luck writing a hard copy letter and sending it through the mail.