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How To Clean Up Your Credit Report

Your credit score has a massive impact on your life. Everything from applying for a credit card, to buying a home, or even getting a rental car can depend on the state of your credit report. For that reason, it is extremely important for everyone to review their credit report at least once a year and clean up any inaccurate or outdated information.

Cleaning up your credit report doesn’t have to be a difficult process. The three major credit bureaus, Equifax, TransUnion, and Experian, allow each individual to pull his or her complete report every 12 months.

Once you have a copy of your credit report, look through each notation carefully. Most credit reports contain some types of inaccuracies, including a wrong notation about how an account was closed, outdated information that should no longer be on the report, or accounts that belong to someone else.

After compiling a list of inaccurate information, look for documentation that supports what should be changed. For example, if an account is wrongly listed as open, look for documents that prove that you closed the account.

Once you have this information, send a dispute letter to each credit reporting agency that lists the inaccurate information and the reasons why you believe that the information should be changed. You may also need to contact the creditor individually to dispute the status of the account.

After the credit bureau receives your information, it will investigate the discrepancy and should remove the inaccurate information. If the credit bureau refuses to remove the information and you can prove that the credit report is inaccurate, you may have a claim under the Fair Credit Reporting Act. This Act allows consumers to file a claim over inaccurate credit reporting information, and provides legal remedies when a creditor or credit bureau intentionally violates your rights.

If you believe that a creditor or credit bureau is intentionally misreporting your credit information, or if you have been unfairly denied credit or penalized due to inaccurate information, the Loan Lawyers may be able to help. Call (844) FIGHT-13 (344-4813) to schedule your free, confidential case review today.

  • ABC News
  • American Civil Liberties Union
  • CBS 4
  • CNN
  • Daily Business Review
  • Florida Trend's - Florida Legal Elite 2014
  • Florida Trend's - Florida Legal Elite 2014
  • National Association of Consumer Advocates
  • National Association of Consumer Bankruptcy Attorneys
  • NBC News
  • National Consumer Law Center
  • The New York Times
  • Avvo
  • Avvo
  • Avvo
  • Avvo
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