Clean Up My Credit
By Jayme Hanson
How many times have you thought I need to clean up my credit
? Well there is no time like the present to get a copy of your credit report from the three major credit reporting agencies, TransUnion, Equifax and Experian. These agencies share information between each other but you will still want to get a copy from each one of the agencies because the reports for each agency won't have the exact same information.
The first thing I did to clean up my credit
was to review the reports carefully. Even if you have good credit once in a while you might find a negative mark on your credit. If there is a negative remark or a debt is still showing and you know that it has been paid, then you will want to dispute these entries. Notify the reporting agency that you are disputing a particular entry and send backup documentation such as a cancelled check showing payment.
You
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might have to contact the reporting agency several times before you get an acceptable response. Be persistant, in the end it will pay off. If you don't feel up to the task of cleaning up your credit report, there are nonprofit companies who can help you.
Another step I took to clean up my credit
was to check my credit card balances. Make sure your balances are thirty percent or less of your available credit. The credit report agencies look at this favorably. It shows you have available credit but don't wish to spend you to the maximum level. If your credit balances are higher than thirty percent, pay them down as soon as possible.
With a little determination and patience you can clean up your credit
. Considering the impact a good credit score has on your borrowing ability, insurance and employment eligibility, it is worth maintaining a good credit rating.
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