How do I fix& repair a bad credit report?
Request a copy of your credit report through an online service, such as AnnualCreditReport.com. Each borrower is entitled to one free report per year. Comb through the report for errors. Alert the credit bureau immediately if there are any on your report. They are required by law to respond to your inquiry within 30 days. Note all lines of credit, make sure all debts are paid up to date and avoid late fees by paying all monthly bills on time. Note any negative items on your credit report, such as judgments, liens or collections. Pay each negative item in full. Limit your credit utilization and its impact on your score by paying down all credit cards and lines of credit to less than 30 percent of their credit line.
