Have you ever been in the market to either purchase something or move into somewhere that requires a clean bill of credit? Sure, we have all been in one type of situation or another like this before, but what is the solution if we cannot get past it?
The answer is simple. The process is not.
The simple answer is to clean up your credit history. The complicated process to do so is as follows.
The first step to take is to pull your credit report from a credited source. There are three credible sources to chose from. The three major credit bureaus are Experian, TransUnion, and Equifax which can all be found through the website www.annualcreditreport.com.
Next, contact each institute that is holding your negative credit by phone and by mail. You will want to do this for two reasons. The first reason for this will be to close your accounts and remove any other possible persons who might have access to the account. The second reason is to verify that that institute actually does have your debt by requesting them to validate your debt in writing.
The third step to take is to secure your debt. By saying this, I mean to take the right precautions as to deter identity theft. In order to do so, check your credit report between three to four times a year. In doing so, you are making sure that your identity has not been comprised and that you are still current with your knowledge of how much debt you're in.
If taking all the necessary precautions, you will be on your way to a clean credit report in no time. Good luck!!
