Fixing Your Credit Report

Fixing your credit report and repairing your credit are two distinct processes and problems. Below are practical ways to fix your credit report if it’s wrong. Look through a magnifying glass 1. Check the identifying information. Sometimes they make a simple mistake (wrong name or social security number). 2. Review the credit accounts. The report might be for an account that is simply not yours. It may include delinquencies in old accounts that were closed. You should report the debt of your spouse before you’re married since it isn’t your responsibility and you don’t want it to affect your score. 3. Look through the list of inquiries. Any inquiries older than two years shouldn’t come up on a credit report. Also, inquiries you didn’t authorize, shouldn’t View the rest of this article