Clean Up Your Credit in 5 Steps - 2024 Method

Cleaning up your credit really comes down to the five simple steps. Step number one get your credit reports. You want to get them from the three major credit bureaus, Equifax, Experian and TransUnion. And you can get a copy of all three credit reports that's easy to read at creditheroscore.com step number two create your dispute letters. Now. You also need to include supporting documentation to prove that you are who you say you are, like a copy of your driver's license and a utility bill that shows your mailing address. And then step three, you send the letters right away. See, the Fair Credit Reporting act gives the credit bureaus 30 days to investigate a claim. Step number four collect the responses. And then step number five follow up and be persistent. If the bureau has not removed the item from your credit report, you'll want to send a follow up letter reiterating the dispute and the reasoning behind it.