| When was the last time you got your three main | | | | arm and a leg to restore your credit-worthiness. |
| credit reports from Experian, Equifax and Transunion? | | | | Deal with one report at a time so as not to mix them |
| If all you've been doing lately is to check your scores, | | | | up. If you've got multiple issues on one file, you can |
| then you might need to obtain copies of your files to | | | | decide which one(s) to deal with first by grading them |
| understand what exactly is going wrong. Compared to | | | | in order of degree of damage and the most recent |
| paying a token to view your scores, you do not have | | | | entries. For instance, you want to deal with entries that |
| necessarily have to pay to get your reports; this is | | | | just made its way into your file in the last one month |
| because you're allowed to have a free copy of all | | | | before handling older ones. Also, a negative entry such |
| three once every 365days. | | | | as bankruptcy should take priority than an inquiry. |
| Once you have gotten your files, spend sufficient time | | | | Write dispute letters to the appropriate bureau |
| in reading all three thoroughly. You don't have to be a | | | | requesting for removal or investigation of the |
| genius to pick out any form of mistake on your file. If | | | | information you're disputing. You can empower |
| you are not certain you've read through them properly | | | | yourself with detailed information on how to go about |
| get someone you trust to do that for you. If you | | | | fixing your file by yourself using self-help found in |
| discover any information that ought not to be on your | | | | restoration-kits. It is also a good idea to try hiring a |
| file or any one that has been eating out your score for | | | | repair-agency to do the repair of your file if you do not |
| that matter, then take immediate steps to reverse the | | | | know how to do-it-yourself. |
| situation. It is simple and does not need to cost you an | | | | |