If you want to clean up credit report issues, then you will want to read on. We will be discussing four easy steps you can follow to clean up credit report issues. After reading this article, you should be ready to tackle your credit issues!
1. Get a copy of your credit bureaus
The first step in any credit restoration process is to get a copy of your credit bureaus. Every American is entitled to a free credit report once a year at annualcreditreport.com. Once you have your credit report you need to carefully review it. It is a good idea to make a copy that you can write on so that you can make note of any errors or anything that you believe to be questionable.
2. Select the 3 Items that are negatively impacting your score
Once you have reviewed your credit report, you will want to select two or three trade lines that you want to dispute. It is important to only dispute a few things at once because disputing too many items at a time can cause the credit bureaus to disregard your dispute as being frivolous.
3. Dispute these items
Once you have determined what you are going to dispute, you need to decide your method of disputing. If you are serious about credit repair and think that you will want to move on to more advanced strategies, handling everything via certified mail is a good idea. This creates a paper trail that you will need later on.
4. Review Your Results and Repeat!
Sometimes waiting can be the hardest thing you do! After you complete your disputes with the credit bureaus, the creditors will have 30 days to respond. They will notify you within 45 days of the results of your dispute. You should wait 30 days and then dispute the next group of accounts from step one.
By following these easy steps, you can clean credit report issues up fast!