Clean Credit

Millions of Americans have items on their credit reports that dirty their credit history. Are you one of them? Would you like to have a clean credit report?

No matter what the circumstances are that built your credit history, there are many things you can do to achieve clean credit. For starters you need to check your credit report periodically for inaccuracies. Your report may not be as clean as you thought.

Clean Credit – Who Needs It?

Unfortunately, just about everyone could use improvement. Even those who have an impeccably clean credit history may not have a clean credit report due to the millions of mistakes that are made regularly by those who handle credit data. Most of those mistakes are made by the credit reporting agencies (CRAs), otherwise known as credit bureaus. The CRAs deal with millions of credit files and are constantly updating the information in those files. While trying to manage that much data, mistakes are bound to be made. In fact 76% of all credit reports contain errors in one form or another.

Here are some of the most common errors that could prevent you from having clean credit:

• Duplicate records
• An account that belongs to another person
• Paid or closed accounts that have never been removed
• Items that were successfully disputed but never removed
• Accounts or charges as the result of identity theft
• Balances posted to your account in error
• Records of credit entries taken without your knowledge or permission

Dispute Errors

The only way to get these items removed from your credit report is to dispute them with all three CRAs – TransUnion, Experian, and Equifax.

The only person looking out for you is you, and you're going to have to do some work if you want clean credit. Just remember that a few dings removed from your credit report could end up saving you thousands of dollars in the long-run.

You can dispute items yourself providing you know the protocol to follow. There are many sites on the web that provide free information and tools to assist you. However, the dispute process does take time, organization, and patience. If you do not feel up to the challenge you could leave matters to those who fully understand the dispute process. We here at Legacy Legal Services are experts in credit repair and know how to effectively deal with the bureaus when they are being uncooperative. Let us help you get the clean credit you deserve.