- Order your free credit reports online. Order one each per quarter and not all at once.
- Save and print the report.
- Examine everything on it from previous home addresses, SSN, past jobs, and credit cards for inaccuracies.
- Determine how old the item is. If it is a credit charge, it should not be more than 7 years old. Bankruptcies stay on for 10. If you find items older than this on the report, put a check mark beside them.
- Dispute any incorrect information on the report with the crediting agency (such as Mastercard) or with the Fair Credit Reporting Agency. You can find it online while in the report or enter the agency name in the location bar and file it that way.
Most of the time, these tactics do work. Familykenkel recognizes that it feels good to handle this yourself and get the results you desire. Sometime the underdog wins and when that happens, we all win.
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