How to Change a Credit Score Online for Free

Most consumers want to make sure their credit score is as high as possible. A high credit score makes you more attractive to lenders and can help you get insurance or a job. If your credit score is low, you can change it by checking information online and filing disputes when appropriate. By removing negative information through the online process, you can improve your credit score.

Instructions

1

Fill out a request for a free copy of your credit reports. You can get one at no cost annually from TransUnion, Equifax and Experian if you go through the proper website (see references).

2

Check carefully through each of your credit reports and make a list information that will bring your credit score down. Typically this includes late payments, charged-off accounts, judgments and other items related to slow payment or not paying a bill at all.

3

Go through the list and identify any items that have grounds for dispute. A credit bureau must remove information that is incorrect or cannot be verified. By having this information removed, your credit score will increase.

4

File a dispute for each item that you believe is incorrect or that the credit bureau will not be able to verify. They will have to investigate each item you specify and let you know the outcome. If the item does prove to be incorrect or if the creditor does not verify it, it will be taken off your credit report at the end of the inquiry. Usually this is completed within 60 days.

5

Get another copy of each of your credit reports to make sure the appropriate items have been removed. If any of them are still showing up, notify the credit bureau, refer to the results of the investigation and ask them to remove the items in question immediately.