In order to clean up your credit, you will need a copy of your credit report from each of the three credit bureaus: Trans Union, Equifax, and Experian.
You may be able to receive a free copy of your credit report if a potentially negative item has been added recently, or if you have had an application for credit denied.
Also, some states allow you to request a free credit report every year. Regardless, you should request a copy of your credit report from all three bureaus; even though they share information between each other, if there is a mistake or a problem, it could appear on only one of the bureaus' reports.
The contact information for all three bureaus is available on their websites.
Credit report clean-up works through contesting information and a lot of letter writing.
If you find items on your credit report that you believe do not belong there or are inaccurate, you will need to write a letter to the credit bureau who provided the report.
It is best to send whatever proof you have that the claim is inaccurate.
Read more about How can "I Clean up my Credit Report?" by visiting http://www.wisegeek.com/how-can-i-clean-up-my-credit-report.htm
Posted by Credit Repair on 8/3/08 5:33 AM
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