If you have bad credit, you could come across credit repair organizations that claim to be able to clean up your credit report. These businesses frequently target people with bad credit and debt in the hopes of stealing your business while you’re down on your luck.
Here are the steps to getting your credit back on track:
- Request your credit reports: The first step in repairing your credit is to obtain copies of your credit reports from the three major credit bureaus.
- Examine your credit reports: After you’ve requested your credit reports, look over each one and double-check the information.
- Dispute inconsistencies on your credit report as soon as possible: If you find any errors on your credit report, file a dispute right away. For further information on contesting a credit report error, see our step-by-step guide.
- Pay off any debts: Having a credit card balance can lead to a lower credit score and a higher interest rate.
Cleaning up your credit is free, and you’ll avoid being duped by companies looking to take advantage of your bad credit. Remember that paying to have information deleted from your credit report does not ensure that your credit score will improve. To take action and ask about this topic, please visit our official page or email us today!