3 Thoughts on best way to fix credit score?
  1. Reply
    August 2, 2011 at 4:25 am

    Continue to take the inititative and read Suze Orman’s book on fixing your FICO score…..she’s the best person out there who writes about this stuff and has a tv show…good luck

  2. Reply
    August 2, 2011 at 5:00 am

    the best way to START is just by paying your current bills on time. also seek credit counseling, they’re great

  3. Reply
    mr. finance
    August 2, 2011 at 5:04 am

    It really depends on what you are talking about.

    If you really want to make sure that your credit remains good, just make sure that you pay your bills on time.

    If you are trying to get rid of something derogatory, however, is a much larger process.

    First, get a hold of the credit report for yourself.
    Second, submit your dispute with the credit bureau. Usually this can be done from the credit bureau’s website.
    If they don’t correct it, ask the credit grantor (the party who put it there) to have it removed or send in documentation to the credit bureau that the information is incorrect.
    Lastly, if you cannot get the party who put it there to correct it and you don’t have documentation, then you can either give up or get a law firm to handle it.

    Don’t expect Transunion, Experian or Equifax to correct anything just because you dispute it. One of them told me that I was 60 days late on a payment of $ 0.00 per month. I sent my explanation in. They rejected it. I sent my explanation by certified mail. They rejected it again. Then I let a law firm take care of it. Then, they paid attention and removed it.

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