How to Easily and Quickly Improve your Credit Right Now in Philadelphia PA
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Now, that you have your credit report and scores, find out which is the most important credit reporting bureau for your area of the country (each bureau has a particular area of influence). The easiest way to do this is to contact your local new car dealer and ask the finance manager what credit report they most commonly use to establish credit. Usually it is only one and that is the one that will be most influential in your area and the first one you should repair.
To start repairing your credit, look over the credit report and look for errors. Is there a listing or entry that is over 7 years old (exceptions are tax liens, bankruptcy (10 years), and some judgements (especially child support – and if you are a deadbeat dad or parent (yes, sadly there are some deadbeat mom's out there) then get right with yourself and your kids and pay your obligation to them. Regardless of what occurred in the past, they are your kids (there is DNA testing available if they are not) and your responsibility). Be careful and really scrutenize through the entries – this is important as it has been stated that over half of all credit reports do contain errors that can negatively impact credit being granted.
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If there are any old entries (beyond 7 years and not an exception like those listed above) then write a signed letter to the specific credit bureau whose report shows this error specifically stating the error and requesting that it be removed. The credit bureau then has 30 days to determine if the item is erroneous or correct. If it is found to be erroneous or no reply from the current creditor can be obtained in those 30 days the entry must be removed. Many times the credit bureau will send back a reply stating they could not find the item in question and it will come with a new credit report minus the erroneous entry. This is a typical response of credit bureaus to fix, but never admit their reports had an error.
Some people have and do use this method to attempt to remove all negative entries whether erroneous or not and hopefully catch a creditor sleeping (they only have 30 days to prove it is still a valid debt and many times a debt will have been sold many times over and the current creditor will not have sufficient valid proof of the debt (this is the case over 70% of the time!) However, don't be surprised when you find the entry relisted again a few months later as debt collection agencies love to list entries even if some are borderline or illegal in nature. Just go and do it again, the creditor or collection agency will grow tired fast and soon leave it alone to pursue more financially feasible opportunities.
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