The first step in repairing your credit score is to dispute incorrect information on your credit report. Unfortunately, errors are common. Once you have the copy of your full credit report in hand, check your identity information (Social Security number, spelling of your name and address), and credit history.
Review the list of credit cards, outstanding debts, and major purchases. If you see any mistakes or questionable items, make a copy of the report and highlight the error.
Next, gather any information that you have to back you up, such as bank account statements, and make copies of these as well.
Write a letter to the specific credit reporting agency that shows the falsehood, whether it is Experian, Equifax, or TransUnion. Explain the mistake and include a copy of the highlighted report along with your documentation. It’s a good idea to send this letter by certified mail, and keep a copy for yourself. The reporting agency has 30 days from the receipt of your letter to respond.