Your life is based very heavily on what is contained within your credit report.  That three digit number that credit bureaus slap on your social security number can mean the difference between landing that new job or not.  The sad thing is there is a pretty good chance your credit file contains information that may not be totally accurate.  Now, the good news is this gives you an opportunity to improve your credit rating through a dispute.

By law you are allowed to obtain a free copy of your credit report once a year.  Several companies have sprung up to take advantage of this.  One that comes to mine is freecreditreport.com.  The name itself implies its free but this is not the best way to get your free report.  Go directly to each of the credit bureau’s web sites.  You can quickly improve your credit rating simply by ensuring the information on your report is accurate.

The Credit Bureaus

Transunion – www.transunion.com

Equifax – www.equifax.com

Experian – www.experian.com

Each site is set up differently but they all have an option to file a dispute on your report.  Some credit bureaus will allow you to file a dispute online while others mandate you mail your dispute.  The process if fairly simple.  Once you file a dispute the credit bureaus are required by law to verify the authenticity of the information on your file.  If the information is found to be accurate it will remain but if it is not accurate or the information cannot be verified the credit bureau will remove it from your report.  This is one of the fastest ways to improve your credit rating and the best part is its absolutely free!

If you don’t feel comfortable filing your own disputes to improve your credit rating I recommend checking out the 37 Days to Clean Credit System.

CLICK HERE to Discover How to Instantly Delete Inquiries, Charge-offs, Late Payments, and Judgements From Your Credit Report

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