How to improve your credit score (Part 1 of 5) by Robert H

This will be a blog that is going to tell you in detail what you personally can do to improve your credit score. Each part will give you details on how you can repair your credit score and work to get it improved

Part One

Accuracy is the most important place to start with your credit report. You must take the time to go over every piece of information and make sure that it is reporting accurately. It seems that most people don't understand how information that is inaccurate can hurt your score, but it can. If you have dates being reported that are not accurate, it may hurt your score by reducing how long you have had your credit. Even dates are extremely important to be showing accurately.

Watch to make sure that if you made some late payments that they are being reported accurately. If you had an agreement with a creditor regarding a late payment and that it would not be reported, check to see if they are reporting the late payment. Dispute any information that is not reporting correctly.

Pay attention to any information that is doubled up. For example, if you had an account that was turned over to a collection agency, you want to make sure that the original account is showing that it has been charged off and given to a collection agency. Otherwise, it will show as two open accounts for collection and that will hurt your credit score more.

A collection account generally means that it is listed at least twice on your report. Sometimes that account gets passed or sold to other collection agencies and then it can be reported as many times as the new collection agency gets involved.

If your address is incorrect or other personal information is incorrect that should also be reviewed. Disputing personal information is good when it is inaccurate. Addresses that are reporting but you have never lived at could mean that you were a victim of identity theft. But it could mean that your account was just merged with another account. Take the time to make sure all of the information being reported is your information.

Make a list of information that is needing to be disputed. This will help you when you dispute or if you work with a credit repair company that is going to dispute for you. A Credit Repair company will only be able to dispute what you tell them to dispute. Credit Repair companies will use many different ways to dispute the information you tell them to dispute but you must tell a legitimate credit repair company what needs to be disputed.

Ovation Credit has your case file online and secure. Once you have accessed that information you will be able to advise your Case Advisor what needs to be disputed and why. This helps your case advisor know what strategy they want to use in the dispute. Once you have accessed your case file online, you can go to Dispute Manager and complete your disputes. Ovation Credit Repair have Case Advisors that can discuss and go over your disputes to make sure you are disputing everything that needs to be corrected.

So begin by working on your credit score by getting your credit report accurate.

Next - Late Payments

Ovation Credit Services offers personalized credit repair solutions for individuals seeking to rehabilitate their credit profiles. Founded by attorneys, Ovation has helped over twenty thousand people overcome bad credit.