Debt Consolidation Credit Counseling In Phoenix

Cleaning up your credit report is not the easiest thing in the world. Not many individuals have a clue of how to accomplish it. The information you find online is many times biased because of commercial intent. So, how do you start toclean up our credit report?

In this article, we'll go over a few crucial elements of your credit report and how to improve those.

The first thing you want to start is to get a written copy of your current credit report. Without this, you can't do anything so get this first.

The instant you receive your credit report, start going through it and see if you find any false or incorrect records. Take it easy and make sure you check meticulously, because it is worth it. This step is important.

Be sure to check how many times your credit report was checked lately. If this number seems too high, over 5 for instance, this can have a negative effect on your credit scores. Note the inquiries that do not seem common to you.

If you've checked everything and found any incorrect data, you write a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the required information, like your full name, current address, social security number etc. Have everything on paper, this means making a copy of your letters.

By taking these steps, you have taken the first step to cleaning up your credit. Do not be satisfied with evading remarks from some call center employee too quickly, and you may be surprised by a sudden rise in credit!