Best and fastest way to fix your credit report?

Question

Best and fastest way to fix your credit report?

Answer 1

Order your credit reports from the 3 credit agencies (equifax, experian and transunion) dispute anything older than 7 yrs that's negative and/or incorrectly reported ie) days late

If there are overdue/collection accounts get debt validation letters from the credit bureaus NOT the creditor.

If they cannot be validated...bureau must delete them. If they are yours contact the creditor in writing and ask for a pay for delete along with a repayment plan or settle in full

Don't use anymore credit in excess of 25% of your credit card limit...pay all accounts in full (credit and non credit) and pay on time.

Do not apply for anymore credit!

Answer 2

Hey try this article. It's directed at a mortgage credit score, but the general rules are the same for consumer credit reports. It contains info about how things impact your score!

http://www.associatedcontent.com/article...

Answer 3

Go to myfico.com. You get a 30 day free trial and it will give you information o nyour credit reports and it has something called score watch that will tell you what you can do to increase your score. there are a bunch of tools for this on the site. it was very helpful for me, just play around with whatever they have.

Your FICO score is very important, not many people know this. read up on it!

Its legit FDIC approved and all i believe. just make sure you cancel it before the 30 days - they'll send an email to remind you too_-- or you'll be charged $90 for the year.

Answer 4

To raise your credit score you need to do two things:

1 - add positive things to your credit records.  Such as paying your bills on time!

2 - Remove negative things from your records.  These may be mistakes made by the credit report companies or bills you haven’t paid!

If your problems aren’t too bad or too complicated than you can do this yourself.  This review site gives you e-books to explain the process and guide you through it:

if your problem is complex - or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company.  This review site will guide you to the three best companies to use:

Good Luck!

Answer 5

Pay your bills on time and dispute any incorrect items on your credit report.  Even if you know that a bad debt is yours, you can still try to dispute it with the credit bureaus - some companies keep bad records and will delete the information because they can't prove a bad dept.

Answer 6

Credit repair and maybe some sort of authorized user/piggybacking deal.  Have you considered using one of those authorized user tradeline programs. They are very affordable and would get you well on your way to having better credit. My mom used it and not only was able to open other accounts, but her score jumped 51 points. Check out the free evaluation form at www.totaldebtsolutionsllc.com They can help.