Review your credit reports for accuracy.

How to Repair Your Credit

Four Methods: Repairing Credit Quickly to Make an Immediate Impact Boosting Your Credit Score in Other Ways Paying Down Your Existing Debt Using a Budget

 If you're struggling with debt or your credit score is a little less than flattering, here are few steps you can take to repair or rebuild your credit on your own before accepting one of the many "debt consolidation" offers or resorting to bankruptcy. 35% of your credit score is made up by payment history, 30% is how much debt is owed, 15% is length of credit history, 10% is type of credit used, and the last 10% is how much new credit you're using.
Method 1 of 4: Repairing Credit Quickly to Make an Immediate Impactc

Review your credit reports for accuracy. It's tough enough paying for your own mistakes; you don't need to be penalized for someone else's. Make sure that your credit reports accurately reflect your debts and payment history, otherwise you could be paying for it with a drop in your credit score.

• Call your creditors and politely explain any errors you think may have been made. Be courteous and don't be rude. Ask them to revisit any potential errors and make sure to get the correction in writing if they do end changing your credit history. Having it in writing is your defense against changing minds, lost records, new management being more aggressive, or any number of other things.

View the original article here