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How To Fix Your Credit Report

If you have never had to take action to have to fix your credit history, you're one of the lucky ones. The fact is, that a great many people will have to resort to taking some action or another at some point in their lives to fix their credit history. Should you become one of those people, there are quite a few different things that you can do to repair your personal credit history.

You will likely want to find out if your credit history needs any repairing in the first place. Basically, if you are looking to borrow money for a car, house or even just in the form of a credit card with a higher credit limit, any time within the next seven years, it is wise to do everything in your power to repair your credit history.

To do this, you will require a copy of your credit report from one of the three credit bureaus who keep the records of your credit history. The information included in your report includes whether anyone has ever called a collection agency on you, whether you have ever been bankrupt, or if you have ever had a foreclosure. If you have been denied credit by a lending institution within the last 60 days, or if you are unemployed and you can prove that you intend to secure a job within the next 60 days, or if you have been evicted from your home, you are able to receive a free copy of your credit report. Otherwise, a copy of your credit report will cost 9 dollars.

With your credit report in hand, you should have a careful look at it to be certain that it is not a bad credit report - that is, that there are no billing errors, or charges that are fraudulent or questionable. Every now and again, a purchase might be charged twice to your and the credit card company will surely be happy to fix that type of an error.

Additionally, today we live in a time of internet piracy, and it is not completely unheard of to have your personal information or card number stolen, and have illegal purchases made against your credit card. It is vital that you keep a close guard on your credit card number and your personal information to be certain that this does not occur to you, however if you do find yourself the target or victim of credit card fraud, it is normally quite the simple matter to resolve with your credit company and show that you have been wronged.

If you do happen upon any billing errors, you should make certain to contact the credit bureau and have them remove it so that you are not burdened unnecessarily with a bad credit report. Dealing with the billing errors on your report is not at all a difficult matter, but when it happens, you will need to file a credit dispute and give the credit bureau with the following information:

the company name of the disputed item
the account number of the disputed item
the reason why you feel this item is in error.

With this information, the credit bureau will review your case and, if it is necessary, the bureau will make certain investigations. These bureaus are, by law, to remove any errors that are found on your credit report, and additionally, to change any negative credit that is associated with it. Moreover, if any companies have received copies of your report within the last 60 days, it is the credit bureau's responsibility to inform them that there have been deletions on your report.

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