How To Clean Up Your Credit Report

Credit Reports and Why They Are Important

 Everyone should check their credit reports.  You can either pay for it from a company or there are why ways to get them for free.  It is very easy and can all be done online.

You can do this yourself if you have access to the internet or through the mail, but through the mail takes a lot longer. 

I will explain how to do all of this in this blog. 

You can then question anything on your credit report.  If you see anything that you think is wrong you can dispute it online or through the mail.  Online is very fast.  The company that you are disputing the fact with will have 30 days to respond.  If they do not respond it is instantly taken off your report. 

Doing it this way you will probably have half of the items removed because big banks do not have time to waste on you.

You can also hire a company to do this, but it will cost a lot more than by yourself.  If you are married and want your wife's credit cleaned up you have to do hers separately.

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