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I Would Like to Clear Up My Credit A.S.A.P. – Ginger

Ginger

“Dear Steve,

I have had Identity theft happen to me and I have also messed up my credit. I want to move in July 2009. I would like to clear up my credit a.s.a.p.

What are the best solutions to clearing up my credit?

Ginger”

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The Answer

 

Dear Ginger,

Clearing up your credit is a rather simple affair that you can easily do yourself.

  1. Order a copy of your consolidated credit report online and get the credit score option. Use this consolidated credit report, it’s the one I use myself.
  2. Once you download your report, print it out. The report will show which credit bureaus are showing negative information for each account.
  3. Using the credit bureau contact information in the consolidated credit report, contact each bureau and tell them what information on your report is incorrect.
  4. The credit score will clearly tell you what you need to do to increase your credit score.
  5. If you find open but delinquent accounts on your credit report you can use the contact information for each creditor provided in the consolidated credit report to contact those creditors and make arrangements to pay off that old debt.

That’s it! See, it is pretty easy to do.

Once you’ve finished all of this, come back and I’ll show you how to rebuild and restore your credit.

Big Hug!

I Would Like to Clear Up My Credit A.S.A.P.   Ginger
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Steve Rhode

    Actually I prefer the consolidated report over the annual report. The consolidated report is a merged report with the trade items listed and then what each report says about them. While the annual report is free it is much easier to spot errors and inconsistencies on the consolidated report.

    Just because an annual individual report is free does not mean it’s better. Get an annual report but when you want to easily spot errors and oddities, go with a consolidated report.

    Steve

  • nasser lavi

    why do you send people to consolidated when you can send them to annual your not doing a good job steve

    regards,

    http://www.creditfixnow.com

  • nasser lavi

    why do you send people to consolidated when you can send them to annual your not doing a good job steve regards,

    • http://GetOutOfDebt.org Steve Rhode

      Actually I prefer the consolidated report over the annual report. The consolidated report is a merged report with the trade items listed and then what each report says about them. While the annual report is free it is much easier to spot errors and inconsistencies on the consolidated report.

      Just because an annual individual report is free does not mean it’s better. Get an annual report but when you want to easily spot errors and oddities, go with a consolidated report.

      Steve

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