| There are many different ways you can increase | | | | have success deleting them from your report and |
| your credit score, the method that will work for you all | | | | raising your rating at the same time. |
| depends on your credit report as each report is | | | | Also keep in mind that each negative account that you |
| different. If your current credit rating is very bad, and | | | | dispute with the credit bureaus needs to be done |
| you do not have any positive accounts at all then you | | | | separately, which means that only one dispute per |
| want to focus on deleting some of these negatives | | | | letter you write to the bureaus. |
| while simultaneously starting a new good credit history. | | | | Keep in mind that the most recent negative entry on |
| First of all obtain all your credit reports from the three | | | | your report affects it the most so if possible, you want |
| main bureaus (Equifax, Transunion and Experian) and | | | | to take care of these in the beginning of your credit |
| go over them closely. You want to highlight any | | | | repair efforts. |
| negatives you have such as late payments, collection | | | | Next you want to start working on new credit, you |
| accounts and charge offs as well as any negatives on | | | | can obtain new credit by applying for credit cards that |
| the account that are not yours. | | | | are made specifically to rebuild your credit rating or the |
| The next step would be to dispute these items with | | | | other route is to have someone with good credit |
| the credit bureaus. If you find any accounts on the | | | | cosign for you for a new credit account. In each |
| report that are not yours while going over your report | | | | instance, once the account hits your credit report and |
| these are the accounts you want to start with. It will | | | | the payments you make begin to show up, your credit |
| be easier to dispute accounts that are not yours and | | | | score will be increased. |