steps to fix my credit

Steps to fix your credit now.

GET CREDIT MONITORING

First step in starting the credit repairing process,  you must get a copy of your credit reports, from different agencies, next get your free credit report from the top 3 credit companies, because when you are trying to fix your credit, you must check that the credit file contains items about you. Before you start, you will need to know the errors on your report, and that it  belong to you and not someone else, to make sure if or not you are a victim of fraud, and to know what is reported on your credit report, this is why you must first obtain a copy of your credit report first.

Where to get a copy of your credit report

First keep in mind that requesting your credit report will not hurt your credit score.

You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com. There are 3 ways to get your free report.

  • Online: Visit AnnualCreditReport.com
  • Phone: Call (877) 322-8228
  • Mail: Annual Credit Report Request Service P.O. Box 105281Atlanta, GA 30348-5281
  • Annual Credit Report Request Form
  • This is the only website authorized to fill orders for the free Annual Credit Report, that you are entitled to by law.
  • Also, everyone in the U.S. can get six free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports)

Know the data on your Credit Report, before you can dispute, your must know the basic.

Once you have a copy of your report. When reviewing your credit report, check that it contains only items about you. Be sure to look for information that is inaccurate or incomplete. Most common errors are as follows:

Identity Mistakes:

When reviewing your credit report, check that it contains only items about you. Be sure to look for information that is inaccurate or incomplete.
Errors made to your identification details (incorrect name, phone number, address).
Accounts coming from an additional individual with the very similar names  (this blending of 2 consumers’ details in a solitary file is called a blended data).

How to read a credit report›

When evaluating your credit report for errors, be sure to look for:

  1. Wrong personal information and facts (misspellings, wrong place of residences).
  2. inaccurate accounts that do not belong to you.
  3. Missing accounts that should be listed on your report.
  4. inaccurate public records (e.g., personal bankruptcies, foreclosures).
  5.  Accounts that aren’t precise ( they say they are literally open when they’re in fact closed).
  6. Accounts listed as open, and suggesting the lending institution closed the account .
  7. one account showing as multiple accounts.
  8. Balance errors and reporting wrong account, errors.
  9. Delinquencies and  or negative marks.
  10. Dishonest activity.
  11. Wrong inquiries.

FREEZE YOUR CREDIT NOW!

How and Where do I dispute inaccurate errors on my Credit Report? In writing, when you identify  an error.

Challenge the information with the credit reporting company (Experian, Equifax,  Transunion) If you find any errors on your credit report.

Credit reporting companies gather account information from utility companies, phone companies, on charge accounts, auto loans, and mortgage information about you and your pay history on loans made available to you in the past to determine how you will repay in the future, so this must be accurate at all times. You should check your credit rating often to make sure that the information being reported on you is accurate.

WE DO NOT  RECOMMEND DISPUTING BY PHONE, ONLY IN HAND WRITTEN LETTERS!

If and when you mail a dispute, make sure your dispute letter include:

  • Your personal information including total name, address, and telephone number
  • A copy of you Report confirmation number, if available
    Plainly recognize each error, an account number and name of the creditor for any account you might be contesting.
  • A clear and short  explanation why you are challenging and disputing the details or an account.
  • Demand that the info be removed or fixed.
  • Make sure that A copy of the credit report ,contains the items your are disputing is highlighted and circled, and if you have any documents supporting your dispute you should include with your letter.

If  and when you send your dispute letter to the reporting companies, make sure to send them by CERTIFIED MAIL and ask for the return receipt, so that you will have good records, and proof your letters was not only received buy someone signed for your certified letter.

You can contact the 3 reporting credit bureaus companies:  By phone, Online or By mail:

 

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