Easy Ways To Clean Up Your Credit Report

By Jill Cullen

Cleaning up your credit report is not the easiest thing in the world. Not many individuals have a clue of how to accomplish it. The information you find online is many times biased because of commercial intent. So, how do you start toclean up our credit report?

Here, we'll review a few important elements of your credit report and how to improve those.

The first thing you want to do is to get a written copy of your current credit report. Without this, you can't do much so it's important to get it.

The instant you receive your credit report, start going through it and see if you find any false or incorrect records. Take it easy and make sure you check meticulously, because it is worth it. This step is important.

Be sure to take a look at the number of times your credit report was inquired recently. If this number is too high, over 5 for instance, this could have a negative effect on your credit scores. Write down the inquiries that do not seem common to you.

If you've checked everything and found any incorrect data, you write a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the required information, like your full name, current address, social security number etc. Have everything on paper, this means making a copy of your letters.

This way, you have taken the first step to cleaning up your credit. Don't be satisfied with evading remarks from some call center employee too quickly, and you may see your credit report improving very soon!

About the Author:

Jill writes about financial matters and credit scores. She also writes about geld lenen zonder bkr and goedkoop geld lenen in Dutch.