Many people are unsure of what to do to fix the errors on their credit score. If you find that your score is not what it should be, you will want to know exactly how to go about fixing the errors and see that your score improves.
You can research your score on the internet using a personal finance site. They provide a free credit report every year, which you can get for free. Your annual free report will also tell you if there are any errors on your report.
You can request a free copy of your report by contacting the credit bureau. The first thing that they do is check for accuracy. If there are errors, they will send a letter to the creditor asking them to correct the errors and they will advise you of the error so that you can correct it.
You may be surprised at how many errors there are on your report, but in most cases the number is very small and all that you need to do is dispute the information. In most cases you will have to complete a form and you will then have thirty days to reply to the credit bureau. This gives you time to make sure that the information that is incorrect is actually incorrect.
Another option is to order a copy of your credit report from each of the three major credit bureaus and dispute each one. You will have to submit each of the credit reports yourself. The last option that you have is to hire an independent service to do it for you.
If you do this, it is important to get the copy of your credit report from each of the three companies. Then you will have to dispute each one individually. When this is completed you will have only thirty days to reply to the credit bureau, but it is not really that difficult.
Of course the most important step that you can take to improve your credit score is to maintain good credit. If you do not make your payments on time, it will damage your score and it may even prevent you from buying a car or a home. It is important to make on time payments as a means of improving your score.
When you are receiving the copy of your credit report from each of the credit bureau, it is important to challenge any information that appears that does not belong to you. This can be done by calling the credit bureau to challenge any item that you do not recognize. It can also be done online through a service that allows you to verify each item on your report.