Check Your Credit Report

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How to Fix Your Credit Yourself

One important thing you need to do before thinking about fixing your credit yourself is to check your credit report regularly. It should come before any other steps because it is so important that every other thing you do to fix your credit is going to be built on it.

The credit reports are as reported by your lenders and they serve as your credit reference. However, it is paramount that you put an eagle eye on your reports because some lenders may erroneously report inaccurate information on your payment history. If you watch your credit report regularly, it will be easy for you to spot inaccuracies in the report and report the errors that you come across.

In this post, you will learn other things you need …show more content…

Get Your Credit Report from Every Credit Bureau

The first step is to request your free credit report from every credit bureau. Going by the Fair and Accurate Credit Transaction Act (FACTA), you can request a free report from any of the credit bureau such as Equifax, Experian, and TransUnion. This is available through AnnualCreditReport.com. You can also call 1-877-322-8228 to get your credit report. Under certain circumstances, you can also request for a free report directly from some credit report companies.

The Vice President of Public Educations at Experian, Maxine Sweet has the following to say about …show more content…

This could be any statement, for instance, if you do not agree with your lender about the status of your account, the statement of dispute between you and the lender will be shown here.

Public reports. This will include your financial obligations.

Types of accounts. This includes debts, installments, loans, credit limit, etc.

Personal identification. Social security number, addresses, employment history, name, etc., are some of the things you will find in this section.

If you want to see a full detail of what all these means and other information, you can download a PDF report from Experian at the following address:

http://www.experian.com/credit_report_basics/pdf/samplecreditreport.pdf.

Read the different parts of your credit report from the above so that you can familiarize yourself with them. This will make it easy for you to audit and critique your report in the future. In addition to that, when auditing your report, you need to pay attention to the following sections:

Missed

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