How to Get Negative Items Off Your Credit Report.

Negative details on your credit report are unfortunate glaring reminders of your past financial mistakes. Or, in some cases, the mistake isn’t yours, but a business or credit bureau is to blame for credit report errors. Either way, it’s up to you to work to have unfavorable credit report entries removed from your credit report.

Removing negative information will help you achieve a better credit score. A better credit report is also the key to getting approved for credit cards and loans and to getting good interest rates on the accounts that you’re approved for. To help on your way to better credit, here are some strategies to get negative credit report information removed from your credit report.

If the negative item is an error
Dispute it with the credit reporting agency
If there’s a mistake or outdated information on your credit, you can dispute your credit report with the credit bureau showing the wrong info. It’s smart to get your free annual credit reports from each of the three credit reporting agencies every year. Check them for mistakes that could be lowering your score.

Ask the company directly to remove it
If you find an incorrect negative item, you can ask the company that furnished the information to the credit bureaus to remove it from your credit reports. You’ll have to provide evidence that the item wasn’t reported accurately, but the company will update all three credit bureaus if you successfully make your case.

Bad credit doesn’t have to last forever. If you take steps to improve your financial life, mistakes will disappear from your credit report over time. Start for something new, contact us and we will help you to remove your negative items.

www.dkrgroupfinancial.com or call us (770)-578-4165.