If you want to fix your credit report, here is the most important thing for you to know: You can do it yourself. If you want to fix your credit report yourself, you have a convenient way to check your credit, and should you find information that you believe to be inaccurate, you can contact the three credit bureaus directly online to request an investigation of disputed items.
There are a lot of credit repair agencies that will advertise, "repair credit report" or "fix credit report". it is important for consumers to know that negative information on your credit reports that can be verified will not be deleted from your credit files, no matter how much you pay a credit repair agency.
Here's a better way to proceed if you want to fix your credit report: Check your credit report for any inaccuracies, and should you discover information that you believe is not correct, you can go online to contact all three of the credit bureaus and file a dispute item with the credit bureau in question.
Once you file a dispute online with one of the three credit bureaus, Experian, TransUnion, and Equifax, the credit bureaus have 30-45 days to contact your creditor. The creditor must then verify that the information is correct, or it must be removed from your credit files.
It is critical for you to know that the only one who knows if the information in your credit report is accurate is you. Making sure your credit report is as accurate as possible can not only help you save a lot of money via lower interest rates, it can also help you in the early detection of identity theft.
I want to check my credit report to make sure it is accurate.