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SpinDistribute.com Article Directory

The following article was published in our article directory on September 5, 2013.
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Credit Score Repair: What to Do to Fix Errors in Your Credit Report

Article Category: Finances

Author Name: Harry Vitt

It's one thing to have a bad credit rating because you were not able to manage your finances properly in the past; it's a whole different matter if you get a low score because of a mistake . If you've never experienced the latter before, you should know that a lot of people have encountered this problem. Also, it is one of the reasons people with credit need to check their rating with the most popular credit bureaus (by obtaining free credit score reports or paying for the information) at least once a year. The following are some of the most common causes of errors in credit reports:

Identity theft - If you're a victim of identity theft, your records might not have been totally cleaned off that's why your rating is still negative/

Social Security errors - It's possible that the Social Security Number of someone with bad credit was typed in incorrectly such that it was your number that was keyed in, causing his less-than-favorable credit history to be linked to you.

Credit problems with ex-spouse - If your records have not been updated since you separated with your spouse, his credit problems will still be associated with you.

Recording errors - Your negative rating might be the result of a simple clerical mistake wherein payments you made to cover your debt were not recorded properly .

Regardless of which among the points above is the reason, if you find or suspect that there's an error with your credit report you need to address it right away by following either one of these two approaches:

Sending your complaint to the credit reporting agency concerned, or

Fixing the problem by bringing it to the attention of the creditor who reported it.

Should you decide to follow the first option, here are the steps you need to follow to reverse your bad credit rating:

Pinpoint what the problem/error is by obtaining a copy of your credit report.

Gather proof that there's an error in your report. Ensure that you have multiple copies of the documents you plan to present to the credit agency, and never give away the originals. Most people go through the process several times; if this happens to you, you want to be prepared.

Create a letter addressed to the credit reporting agency that includes the following pieces of information:
- Your personal details (name, address, birthdate)
- Your SSN (Social Security Number)
- Name of the creditor in question
- Information about the account where the error is
- Details about the error
- Instructions to the agency regarding how to fix the mistake in your report
- Other important information about the documents included in your letter

Send your letter through registered mail and wait for a response from the agency. You should know at this point that there is a window of 30 days for the credit agency in question to reply to your request to have your credit report fixed.

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