Did you know that over 80% of credit reports have mistakes? These mistakes can be costly to your financial future. By obtaining a copy of your report, you can begin looking for these errors and correcting them. You can get a free copy of your credit report once a year from the 3 major credit bureaus – Experian, Equifax, or TransUnion.
So what do you look for once you obtain your report? Look for mistakes such accounts that aren’t yours, late payment errors, and the amount of available credit that you have on your accounts. By disputing inaccurate information, you can help clean up your rating and raise your score.
Fixing mistakes on your report is simply a matter of letting the credit bureaus know about it. You can do this my writing a letter of dispute. When writing the letter, be sure to clearly identify yourself. Use the report ID number if available. Be specific as to what mistake was made. Explain why it is an error and how it needs to be corrected. Then, be sure to keep a copy of the letter.
Remember that credit won’t fix itself. By using the right knowledge, you can repair your score and have better opportunities in life. Use these 3 steps to clean your credit fast by getting your credit report and writing a few simple letters. You’ll be glad you did.
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