credit report repair

Checking your credit report regularly, at least once a year, is an excellent way to catch any instances where you may be the target of identity theft – or the credit bureau has accidentally mixed up your history with someone. It is one procedure a credit repair service can follow to revive your credit score.

There are several credit repair services online you can rely on to help you in such a scenario. Spotting any discrepancies in your credit report will go a long way in helping you restore your score. There are several vital aspects to look into in a credit report that will help you identify any problems:

Personal Information

credit scoreMake sure the names and addresses listed match your personal history. As noted above, reports from people with the same or similar names are sometimes combined incorrectly; having your report tied to that of someone with bad credit can lower your score. To correct an error, it is necessary to document, in writing, what is wrong. This can be a quick fix if all the negative information belongs to someone other than you, but proving it may take some time.

Account Information

Check carefully all the accounts listed and make sure they are indeed accounts I have opened. If you find an account in your name that you didn’t open, contact the credit bureaus, explain the fraud and ask for a fraud warning to be placed on your account. Then contact your card issuer to find out more account details.

Also, make sure the balance information and payment history for each account is accurate. If any information is inaccurate, you will need to provide proof of the correct information, and you will need to initiate a dispute with the credit department to seek ratifications.


credit ratingIf there are collections on your credit report, check to make sure there are no more reports of the same unpaid bills. Collection accounts are bought and sold, so the same information could be reported by more than one agency, which would make your credit history worse than it is. Submit documentation to prove the debt is listed more than once.

Public Records

Negative information from public records can include bankruptcies, civil sentences, or foreclosures. Bankruptcies can be on the report for seven to ten years, but all other public documents must be removed after seven years. If the public record on the report is older than permitted, dispute the information with the credit bureau and submit documentation to prove that the debt is too old and should no longer be in the report.