Check Credit Report Score

The basic strategy to repairing your credit is as follows:


  • Get and review your credit report.

  • Analyze your report.

  • Make a list of all items you consider to be questionable or negative. Clearly identify each item in your credit report that you dispute, explain why you dispute the data.

  • Write a dispute letter bureaus.

  • Send the letter to the credit bureaus. Make sure you send it registered or certified mail.

  • Document your efforts. Record when you sent your letters, and the results.

  • Wait for the bureaus to investigate your claims.

  • Analyze the results.

    Seems easy enough but you must have patience, because the credit bureaus are not always very cooperative. They make their money by providing credit reports to lenders not by fixing bad info data in their databases.

    Keeping your credit report a true reflection of you is - your job. Get ready to clean and polish. Carefully look for everything from typing errors, outdated and incomplete information to inaccurate account histories. Credit scores reflect credit payment patterns over time with more emphasis placed on recent information.