How to get a free credit report copy or order a credit report.

Credit Report Tip

Incorrect information on credit reports is common. Credit reports have become very important, and it is necessary to check them at least three times a year. Anytime you find a mistake, contact the credit bureau first. Instead of using the online form, send a letter with your name and address along with information about items that are not correct and why they are wrong. Ask that the information either gets deleted or corrected.

Along with your letter, send any copies that can prove why the information is not correct along with a copy of your credit report. Identify the incorrect items by marking with a highlighter. keep documentation of all written correspondence and any dates, times, and persons you talked to on the phone about the problem.

It can help if you contact the creditor who gave the wrong information and send them proof as well as a letter. Let them know you have sent information to the credit bureau about the dispute. The creditor should notify the major credit bureaus about making the corrections. Ask that any information that cannot be verified to be deleted from your file. It can take months to get mistakes fixed on credit reports but it is worth the effort. Monitor reports to make sure all mistakes get fixed.

Improve Credit Tips

It is important to know all information about your credit and whether it is good or bad. Credit must be monitored for incorrect information that can contribute to having bad credit. For example, if there is documentation about bankruptcy or constant late payments, make sure it is your information and does not belong to a stranger. It is not uncommon to have a stranger's information on a credit report.

Anytime your credit reflects late payments, set a goal to never be late with any payments. Try paying them in advance to prevent late payments. Consider setting up automatic payments from a checking account but make sure to have the money in the account avoid overdraft fees too. Overdraft fees do not look good to a loan officer at a bank if you ever ask them for a loan. 

Learn about how credit scores are determined and get some facts on all the ways scores are affected. Knowing that late payments, bankruptcy, debt collections, and other things greatly lower scores can help when setting a goal to rebuild bad credit. Find out how much you are in debt. The amount you owe should be less than your total available credit. 

Applying for too much credit often can have a negative effect on credit. The types of loans are important, for example, if you have too many credit cards with over the limit balances or too many loans from finance companies, it can lower credit scores. It is not impossible to rebuild bad credit using a credit professional or by doing-it-yourself. The first step to rebuild bad credit is to start paying down debts and always pay bills on time.

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