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Personal financial management is a very important skill, yet unfortunately, most of us were not taught about personal finance when we were in school. The first time [link widoczny dla zalogowanych] I was informed that I have a bad credit history, I was confused and had no idea what to do. You see, having a positive credit report is very important, it is important when we want to apply [link widoczny dla zalogowanych] for some loans. For example, when you want to get loan for your mortgage, business venture or buying a car.

In this article, we will share with you some tips you can use to remove or erase your bad credit report.

Before we start, we need to inform you that there are a lot [link widoczny dla zalogowanych] of misleading information or claims on the Internet about erasing bad credit. Please note that you cannot erase your bad credit completely! If anyone can do that then our economy is going to [link widoczny dla zalogowanych] spiral out of control - imagine if everyone is abusing the credit report system. owever, what you can do is to make a legitimate effort to repair or improve your credit report. And, that is what [link widoczny dla zalogowanych] we are going to share with you how to achieve that.

Here is what you need to do to repair or improve your credit:

The first [link widoczny dla zalogowanych] thing you should do is to get copies of your credit reports from the three [link widoczny dla zalogowanych] main credit reporting agencies: Trans Union, Experian and Equifax. Once you have received the reports, allocate a time to sit down and go through all the reports thoroughly. Try to identify and find anything you can query.

Once you have found any anomalies, write to the agencies to tell them what pieces of information you disagree with and explain in detail the reasons for your misgivings. If you have any documentation that supports your case, send them as well but make sure your send copies, not the originals.

Once the agency has received your letter they have, by law, to carry out an investigation into each of your items within 30 days of receipt of the letter. If they think it is trivial they may refuse, but the bottom line is that your credit reports are not allowed to carry inaccurate or misleading [link widoczny dla zalogowanych] information.

When the agencies finished their investigation, they will send you the new credit reports with some revised information to reflect the changes. Although the new reports are going to have more accurate information than the first one, do not treat them as the final reports, you should go through them again thoroughly to make sure that all the anomalies had been removed or [link widoczny dla zalogowanych] adjusted.

If you agree with the changes in the new credit reports, contact the agencies and request that they inform any institution that had previously received your credit reports about the changes or adjustments.

I can't emphasize this enough... again [link widoczny dla zalogowanych] make sure you go through every item in your credit report (old or new) carefully and thoroughly. If you find something that you don't agree, make a note immediately and [link widoczny dla zalogowanych] write detailed explanation about the item such as why you find the item disputable, give them the strong reasons so that they can place your explanation inside the reports. Everyone who receive your reports will see your explanation and your dispute, this can help to alleviate the bad and improve your credit scores.

Another thing you must be doing when it comes to repairing or improving your credit scores is to make real effort to pay up all your outstanding credit card debts (if you have debts). If you don't, do not expect that you are able to repair your bad credit reports.

Again, you cannot eliminate your bad credit history! What you can do is to make some diligent [link widoczny dla zalogowanych] efforts to improve your credit reports so that it is easy for you to apply for the loans you need. Hope you find this article useful.
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