There are many facets of credit concerns. The issues on personal credit differ from person to person, vendor to vendor, from credit to credit, and from bureau to bureau.
THROW THE NET
When you go fishing you throw your net and you are not sure what will come forth, but you pray for a good catch. Until you pull back the net, you don’t know what is in it. Same principle applies. Throw your net blindly and some things will fall off your credit, so before you begin the proven process, first throw the net. In throwing the net, do the followings:
Go through the framework and attack the foundation.
Check your name for accuracy, if there is a wrong spelling or something wrong with your name. That is not you. Annul any report in that name.
Check your address for the past 2 years, any report that is not in your known address should be annulled also, annul any report associated with unknown addresses.
Check for information like, DOB, Job or previous Jobs. If there is anything that is out of place such as spelling, address and more, annul them from your report because that is not you. Use the given platform to delete such reporting.
Look for all inquiries. If there is an inquiry that:
You don’t recognize
You don’t remember
That you did not authorize
That did not result in a credit, challenge the inquiry. You can use the given platform to delete those inquiries from your credit reporting.
Go through all your accounts and if there is anything you don’t know, remember, challenge the:
Vendor
Amount
Year
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