Bad credit on your report can cause you to lose out of so many things, for example you are looking for an apartment to rent and your potential landlord does a credit check, when they find bad credit you may lose out of getting the apartment that you want to rent.

It may also be a constant reminder of your past mistakes or in some cases this can be a business or credit bureau’s credit report error.

Getting bad credit off your report unfortunately is left up to you to have the unfavorable credit report entries from your credit report. Here are some ways that you can be able to do this.

Submit a Dispute to the Credit Bureau

When you feel that it is the credit bureau which made an error in your credit report, according to the fair credit report act you have a right to an accurate report, this provision gives you the power to dispute errors with the credit bureau.

The best thing to do before you dispute your credit report is to check all three credit reports for errors, Until April 2021 you are entitled to weekly free credit reports from the major three credit reporting bureaus, Equifax, TransUnion and Experian. You can request them here

The reason why you should check with all the major credit bureaus is that if negative credit report entries are found on one report it is wise to see if they appear on the other 2.

The easiest way to submit disputes is via mail or online, For you to make a dispute online you must have recently ordered a copy of your credit report. You can then submit the dispute with the credit bureau which gave you the report.

Keep in mind that you do not pay anything to dispute a credit report and you can do it as many times and for as many items as you wish.

The results of the dispute can always affect your score but filling for a dispute does not affect your score in any way.

 

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