How to Fix My Credit Check

Your credit score is one of the most important numbers attached to your name. It significantly impacts your ability to secure new credit, qualify for the best interest rates and purchase houses and cars. If your credit score is subpar, you may be able to improve your score by reviewing your credit report for errors. Since an estimated 79 percent of credit reports contain errors, chances are you're being penalized for something that isn't your fault.

Instructions

1

Obtain a copy of your credit report. Go to www.annualcreditreport.com and request a free copy of your credit report. You're entitled to one free report per year from the three major credit bureaus -- Equifax, TransUnion and Experian. If you've exhausted your free options, you can pay one of the bureaus for your report or sign up for a free trial of a bureau-sanctioned credit monitoring service, such as Experian's Triple Advantage.

2

Review your credit report very carefully for errors. Use a pencil or pen to circle any errors you see. If you can, find documentation that supports your case. When you've found the errors, make a photocopy for your personal records.

3

Write a dispute letter to the credit bureau explaining that their information is incorrect and you'd like to have it removed. Be sure to include your supporting documentation. The credit bureau has 30 days to review your inquiry and notify you of their decision. If the item in question is removed, you'll receive a new copy of your report. This updated credit report can then help you to get the rates and credit you deserve.