Get Your Credit Back By Doing Your Own Credit Clean Up

You try to apply for a loan and find yourself rejected by the lender, maybe you need to do some credit clean up work. If you have been paying your bills on time and you see no reason to be rejected, chances are you have been a victim of identity theft or maybe there has been an error in your credit report.

Either way does not fret; you can do your own credit clean up job. It only takes a little patience on your part.

How do you begin? Get a copy of your credit report from all three credit bureaus Equifax, TransUnion, and Experience. You have to secure copy from all three bureaus because some creditors only pass your credit report to one bureau and it is better to get a copy from all three to cross check for any irregularities.

Look for errors that may have affected your credit score and scared away lenders. It would help your credit clean up if you have kept proof of payments.

This is evidence against errors written in your record. Make a detailed letter to both the bureau and the creditor explaining the error. Include your name, address and social security number. Send them a copy of your incorrect credit report as well as other significant documents that prove your claim. Never send any original documents.

The credit bureau will contact the creditor and ask for proofs of their claim regarding the data on your report. The creditor is required to respond to your letter in 30 days and the issue is expected to be resolved in 90 days.

Document every step of your credit clean up phone calls, letters, etc., so you will know your progress. Be aggressive and persistent when doing your own clean up job.

Remember the reason you are doing a clean up is to get your credit back to where it was.

A successful clean up does not mean you should get lax. Regularly ask for copies of your credit report and always be vigilant for errors.