In this article I am going to show you the best ways to repair credit by using the top ten ways to improve credit score.
1. Make sure to check your credit report at least once a year.
This is a good way to make sure you’re not a victim of identity theft. You will be aware of what might be on your credit report so you can dispute the items that may be showing as incorrect or negative.
2. Dispute errors on your credit report.
Contact each of the three major credit bureaus – TransUnion, Equifax, and Experian – and get copies of your credit reports and credit scores. Carefully read over the reports and note any errors. In writing, contact the credit bureaus and ask that mistakes be removed or investigated. This is called a dispute letter and once it is received, credit bureaus have to investigate your dispute within thirty days of receiving your letter. It is important to keep a copy of your letter and it is important to note the date the letter was sent. You should not be accusatory or abusive in your letter – calmly and clearly state the problem and request an investigation. This will raise credit score quickly. Continue reading →