| Banks, credit card companies, finance companies, | | | | 3. Dispute any errors and all bad credit items with the |
| landlords, utility companies or any company considering | | | | local credit bureau. |
| setting up a line of credit for you looks at your credit | | | | The companies that have reported judgments, late |
| score. As a general rule prime credit falls in the 750 - | | | | payments, etc must then prove to the credit bureau |
| 800 range, sub-prime falls in the 550 - 749 range, and | | | | that they are accurate. Many times these companies |
| bad is below the 550 level. | | | | can't produce the records. If they cant produce the |
| Many people hire companies to raise their score but | | | | records the credit bureau must take it off your report. |
| you can do the same thing, by yourself, for free. There | | | | Once you identified an error you will need to write a |
| is a lot of great information on the internet. Type credit | | | | letter to the company that made the mistake that |
| repair in the search box and see what happens. Here | | | | disputes the error. Keep a calender of who and when |
| are the basic steps to get you started. | | | | you sent the letters. Allow 30 days for a response. Be |
| 1. Get a copy of your credit report. You can do this for | | | | persistent and contact the credit bureau at the end of |
| free one time per year. | | | | the 30 day period. |
| 2. Check your report for errors. Many times there are | | | | Many people have raised their scores using this |
| errors. | | | | approach. |