| The people who compile your personal credit report | | | | side of your report where you may challenge any item |
| are human just like you and me and they can make | | | | in your report that you feel is wrong or incorrect. You |
| mistakes while compiling your reports from the various | | | | will have to attach photocopies along with pertinent |
| sources they use. | | | | information as proof of your claim and send it to |
| So to correct errors and improve your credit score, | | | | bureau or credit reference agency by mail. When they |
| requesting a copy of your report frequently can be | | | | get your message they will investigate and send you |
| very important. Although this will cost a small fee, it will | | | | the results of their findings. Be patient, because it may |
| allow you to know what they have compiled about | | | | take the agency some time to complete their |
| you. If you discover unfavorable information, you can | | | | investigation. |
| ask for corrections before they start disseminating | | | | The fact that not just one agency may compile |
| inaccurate information about you. | | | | information about you may make it almost impossible |
| When you get a copy of your personal credit report | | | | for you not to encounter problems in future. When you |
| to determine the status of your credit file, study the | | | | apply for credit in a bank, in stores or any with a |
| information carefully and attempt to remove all | | | | lending company you may be turned down. This does |
| incorrect information in it. As all your credit history may | | | | not mean the agency you filed error corrections with |
| not be contained in one file from one firm, if possible | | | | haven't made the changes, it's more likely that the |
| get the files from other firms too. Some information | | | | bank or store you are trying to deal with have another |
| may be duplicated, or not included at all in the other file. | | | | report from a different agency about you. |
| To correct errors and improve your credit score, you | | | | So anytime that you are denied credit, you have the |
| need to check your full name, social security number, | | | | right to know why you were turned down! If the bank |
| current and previous addresses, spouse's name, and | | | | or stores used a credit report agency, they must |
| date of birth and make sure that they are all correct | | | | provide you with the name and address of the agency |
| because they are some of the points used in | | | | that supplied them with the report. |
| identifying you. Also, make sure that any merchants' | | | | Once you have the contact information of the agency |
| names, credit account numbers, date opened, date | | | | involved, you should make an immediate effort to |
| closed, high credit limit, highest amount of credit used, | | | | contact the credit agency, so that you can review |
| and repayment history are correct, current and | | | | your credit report, find out any information that is |
| accurate. | | | | causing you to be denied credit, and make corrections |
| If after studying the file carefully you spot any errors, | | | | if you have enough evidence to back up your claims. |
| write out the exact error and the way you think it | | | | Otherwise how can you correct errors and improve |
| should be listed. You will find a space on the right-hand | | | | your credit score? |