credit

7 steps to clean up your credit report

Credit Cards » 7 steps to clean up your credit report

Following up
Following up © Nata-Lia/Shutterstock.com

Following up

It would be great if you could just file a dispute and forget about it, but you may have to follow up. Especially if an item is very old, the creditor in question may have been bought, merged or gone out of business entirely, which makes documenting everything important.

Keep notes of the people you speak with at the bureau or lender, when you contacted them and the date by which any corrective action will be taken. Check your credit report again after that date to make sure they followed through. The three credit bureaus "talk" to each other electronically, so a correction made on one report should be reflected on the other versions, too.

Top Card Offers

The best credit cards for you may be a click away. Check out card offers from our Bankrate.com partners.

See Card Offers

advertisement

Show Bankrate's community sharing policy
          Connect with us
Product Rate Change Last week
Balance Transfer Cards 15.80% --0.00 15.80%
Cash Back Cards 16.42% --0.00 16.42%
Low Interest Cards 11.09% --0.00 11.09%
 
Search
advertisement
CREDIT CARDS WEEKLY NEWSLETTER
Credit cards on a table

Get advice for managing credit cards, building your credit history and improving your credit score. Delivered weekly.

advertisement

Credit Card Blog

Jeanine Skowronski

US credit cards to work in Cuba

The U.S. is moving to normalize relations with the nation for the first time since 1961.  ... Read more

Partner Center
advertisement

Connect with us