How to Fix Your Credit Report Without a Lawyer

You do not need a lawyer to fix your credit report. Having inaccurate or outdated information removed from your report is a simple process, and nothing about it requires legal advice. Your rights are clearly spelled out in the Fair Credit Reporting Act, and you can clean up your report in as little as 30 days. There are no other legal ways to fix your report.

Instructions

1

Get your credit report from annualcreditreport.com. The three nationwide credit bureaus--TransUnion, Experian and Equifax--operate the site to offer free credit reports as required by law.

2

Find inaccurate information on your credit report that should be removed. Examples could include an account that is not yours or an old credit card debt showing as delinquent, though you paid it off.

3

Find outdated, but accurate, negative information. This can remain on your credit report for up to seven years for most entries, 10 years for foreclosures or bankruptcies. Notify the credit bureau of any negative information that should no longer be listed.

4

Write a letter to the credit bureau at its address on the credit report and have the information removed. You can also file a dispute online.