After verifying information in your Credit Report, you can now begin to take steps to repair your credit based on the following suggestions:

• Identify the negative marks on your Credit Report.
• Review Your Account Profile
• Try again later.
• Talk to the creditor directly.
• You receive a preliminary response from the creditor.
• Challenge the Negative or Non-Rated Remarks
• Communicate all requests in writing.
• Wait 30 days for a reply.
• The Credit Reporting agency should ultimately respond in one of three ways:
• The credit entries are changed.
• The creditor verifies the disputed item, so it stays on your credit record.
• You then have other options:
• "Positive" means good credit; you pay on time.
• "Negative" means serious credit problems. Perhaps you have defaulted on a major debt or filed bankruptcy.
• "Non-rated" means a few late payments.