How to Get Negativity Off of a Credit Report Instead of Disputing It

It is always a good idea to periodically inspect your credit report to make sure there aren't any mistakes bringing down your score. If there are no mistakes, you may still find a few negative influences that are harming your report, in which case you need to remove them. According to "DestroyDebt.com," you can challenge the accuracy of anything on your credit report at any time to have it removed. Removing the small harmful portions of your credit report can greatly increase your overall credit score.

Instructions

1

Look at your credit report for any bills that are marked as unpaid. There may be cable or phone bills from previous addresses.

2

Send a payment to these companies and ask them to report to the credit bureaus that the bills have been paid.

3

Pay off your larger loans. You do not need to do this at one time, but chipping away at the debt is going to slowly increase your credit score.

4

Stop applying for loans and credit cards. Every time you apply for a loan or line of credit an inquiry is made into your credit score and stays on the report for 2 years. Eventually your score may be affected if too may inquiries are made.