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April 24, 2010

Credit repair: How to fix your report and raise credit score

Author: Wills Smith

Are you finding it difficult to obtain credit? Are insurance providers charging you a high premium rate? If yes, you must immediately take steps to improve your credit score. Creditors and lenders use this score to determine the risk they take by lending you money.

What is a credit report?

Your score is based on your credit report that contains your personal identifying information, credit history, public records like tax liens and bankruptcies, and also the details of the creditors who have viewed your report. You can repair your credit by taking advantage of the rights guaranteed to you under the Fair Credit Reporting Act (FCRA).

What are the rights guaranteed under the FCRA?

Under the FCRA, you have the right to order a free copy of your credit report from the credit bureaus – Experian, Equifax and Trans Union. You also have the right to dispute any incomplete or incorrect information on your credit report.

How can you dispute incorrect information on credit report?

You must analyze your report thoroughly for any incorrect or incomplete information. If you find any wrong information on your report, you must write to the respective credit bureaus and also the creditor who provided the bureau with the information. It is best to substantiate claims with relevant documents like copies of statements or canceled checks. You must file the dispute via a certified mail.

The credit bureau will investigate the dispute and will provide you with the result of investigation. If the information you disputed result in a change, they will also provide you with a copy of your changed credit report. Apart from correcting the wrong information, you must also try to improve your credit history in order to increase your score.

How can you improve your credit history?

Late payments, judgments and charge-offs get listed as negative items on your report. You should negotiate with your creditors to eliminate these listings. You must also become current on delinquent accounts. By repaying your debts, you can clean your report. After cleaning the report, you must also try and restore your credit to further improve your score.