Cleaning up a credit report can be time consuming. Most of the times you do not even find out about something being on your credit report until you are applying for a new home loan, car loan, or credit card. Of course it could not come at a worse time for you as you are probably ready to buy. Worst of all is that it could be a little bit embarrassing too. Most companies will pull a merged credit report from the three major companies and each account in question will say where its being reported. When you look at it you will be able to contact each bureau and start asking about each account.
The first phone call should be to the credit bureau itself. Equifax is the biggest and most popular. There is a strong chance that if anything is showing it is with them. You will need to purchase a credit report from them. From there you will start going over the accounts in question. Your discrepancy might only be showing up with Equifax and it might be the only place you go.
The next place to try would be at My Fico. They work with all three credit bureaus. There will be a fee involved to work with them as they are going to handle all of your accounts for you. After obtaining the account numbers they will inform you of who you need to pay to close or cancel out an account. After the bills are paid, My Fico contacts the credit bureaus on your behalf with your closed account documents.
If you want to not only get your credit report cleaned up but have your accounts in question reduced to a lower balance or zeroed out completely then you should call Lexington Law. This is a law firm who specializes in helping people clean up their credit reports and also negotiate lower balances for their clients. You will probably pay a little more to work for them but in turn you could pay less to your debtors and let them do all the work. After the balances are cleared they will inform the credit bureaus of the closed accounts and your credit report will reflect the changes.
If you need to repair your credit then start with the three sources above. They are all very good at what they do. The deeper down the list you go the more it will cost you to work with them. In the long run it will be worth it to repair your credit because you will not have to pay higher rates on things you buy and now can get approved.
Tags: credit repair, credit report, equifax, lexington law, my fico
