Credit Check Up
Get the facts
The first step is to order your credit report and scores. Then take a good look at your credit report. Look closely at the data from Equifax, Experian, and TransUnion. Keep in mind the bureaus are separate and report slight differences frequently. Keep an eye out for:
Wrong mailing addresses
Tell the credit bureaus, in writing, what information you think is inaccurate. Include copies (NOT originals) of any documents that support your position. Your letter should identify each item in your report you wish to dispute; state the facts and the reasons you want to dispute the information, and ask that it be removed or corrected. You letter should include your full legal name, current address, and social security number. You will also want to include documentation proving your identity to the bureaus so they cannot stall identification is as follows: a copy of your photo id, a copy of your social security card, and a proof of address (such as utility bill).
Send your letter by certified mail, “return receipt requested,” so you can document that the consumer reporting company received it. Keep copies of your dispute letter and enclosures.
Equifax
Experian
TransUnion
Po Box 1000
The credit bureaus then have thirty days to investigate your dispute. Once you receive your response you will want to evaluate what has been removed or corrected. Once that is evaluated you will want to make note and send out additional letters tell desired results are achieved.
Improve
Classify the problem areas on your credit report and make a plan for progress. If you've had a hard time paying your bills on time, sign up for an automated bill pay. If your debt levels are above 35% of your available limit, create a payment plan to reduce your balances.
Follow up
Re-check your credit after 45-60 days after disputing errors to see if any inaccuracies remain. If any inaccuracies remain you will want to re-dispute. If you want to tell your side of the story, you may add a consumer statement to your credit file.
Monitor
To protect against fraud and keep your credit healthy you should check your credit at least once a year.