A great way to improve your credit score is to get rid of errors on your credit report that are dragging you down, but how do you start?
Well there’s two ways, the easy way and the hard way. In the easy way, you simply go to annualcreditreport.com and check out your free credit report from all of the bureaus. Look through your credit history. If there’s anything amiss, there should be a link next to it or on the page to file a dispute. As long as the creditor doesn’t disagree, the error is gone within 3 months. And if that doesn’t work, there’s the hard way, where you have to keep detailed documentation as you go between bureaur and furnisher, pressing your case. In the worst case, you may have to go to trial to get an error removed.
For a good look at each step of how the hard way works, check out “How to complain about: credit report errors” over at The Red Tape Chronicles.
How to complain about: credit report errors [Red Tape Chronicles]