There are two ways to get the bad entries off your credit report right - the easy way and the hard way.
There's no reason why you would want to trouble yourself with going around in detours when you're fixing a bad file.
Your sure bet is to set doable and achievable goals that will help you to restore a good rating.
There is a basic course you must follow and that I have explained here.
Your priority after you must have gotten possession of a free copy of your file is to spend time reading through all three of your reports - Transunion, Experian and Equifax.
About a whopping 79 percent of all consumers files are said to contain errors.
Such errors may either be on the part of the information furnisher or the credit bureaus.
Make sure, during your reading, that none of such inconsistencies escape your eyes else they'll continue to do damage to your file.
Once you have concluded reading through your files, determine which technique you think is most suitable for repairing your file.
Either of the two methods: self-help restoration- can help put a quick fix on your report, but you want to be sure if it's something you can handle by yourself or you might want to pay some fee to an expert who'll follow due process in a professional way to ensure that you get a clean and healthy file.
This is the agency method.
In as much as you're in the process of fixing your file and getting rid of errors and old accounts, you should also make a plan on how to lead a more financially responsible life.
Calculate your income for every month and compare it to your estimated budget for each month, ensuring that you do not include frivolities or unnecessary luxuries.
While a restoration of your file is underway either by you with the self-help method or by an agency, you should keep a restoration kit handy so that you'll master the rudiments of upgrading your credit rating.