Achieving a clean credit report isn’t just important; it’s imperative. Good credit increases a person’s chances of getting approved for new credit. Whether you’re seeking employment or housing, you’ll get cleared much faster and face little to no obstacles. As you strive to get a clean credit report, make sure you use the right strategy. In this blog, we’ll offer a closer look at what you need to do to get started.
1. Assiduously Review Your Credit Reports
The credit report cleaning process requires a significant amount of time and energy. You must have an eye for detail and be an excellent researcher. Why is this necessary? Well, you’ll have to comb through your credit reports and confirm that the information listed is accurate.
Keep an eye out for your personal information (name, address, phone number, employment information, marital status, etc.). In addition, review your account information (balances, payment history, credit limit, current status, etc.). Lastly, review the bankruptcy and collection information.
2. Identify and Dispute Credit Report Errors
Make sure you identify and note every error you can find, no matter how negligible it may seem. Initiate a dispute at the earliest. You can do this online or via mail.
Contact the credit bureau that listed the inaccurate information. You can also send a notice to the other two bureaus, although this isn’t necessary.
If your dispute is denied, promptly file a written statement to take additional action. If your dispute is accepted, the credit bureau will be required to report the matter to the other two bureaus.
3. Get Rid of Your Debt
Dealing with debt? Make sure it doesn’t linger. Work towards paying off your debt to improve your credit score. You can do this in numerous ways.
Consolidate your debt with a personal loan to pay it off. Once your credit utilization rate is lowered, you’ll be able to pay off larger amounts of debt.
You can also transfer your balance to an interest-free card or redeem rewards to cover some of your debt. Consult credit repair experts to determine the best course of action.
Need to learn how to dispute your debt with creditors? At American Debt Enders, we offer a successful debt relief program to help you get a clean credit report and get rid of credit card debt.
We offer free debt counseling and help you become debt-free in between 12 and 26 months. Find out more about our credit restoration services and debt resolution services. Once you’re ready, give us a call to get started!