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Sick of bad credit? Clean up your reports

Having bad credit can affect almost every aspect of your life: landing a job, buying a house, getting a car loan, qualifying for insurance... it can even take a toll on your marriage. If any of this sounds familiar and you're sick of living with bad credit, it's time for a credit clean up.

Many people falsely assume there's nothing that they can do about their credit -- that it's something they just have to live with. If you're one of the countless people who think your only choice is to hang on for the ride while your credit score wreaks havoc on your life -- well, luckily you're wrong.

Questionable negative items on your credit reports can be legally disputed, and you may not have to wait years for damaging information to drop off your report. There's something you can do about it. You shouldn't have to be the victim of an unfair credit score, and you shouldn't have to live a life filled with the emotional and financial toll bad credit takes on you and your family.

Now that you know you have options and can clean up your credit, you'll need to take a careful look at your credit reports and find out exactly what's causing your low score. You may even be surprised to find that your credit report contains inaccurate information that simply shouldn't be there.

How can this be? Well, credit bureaus don't check the information that's reported to them by creditors. In fact, credit bureaus won't verify this information unless you request they do so. You may find that your credit reports list information that shouldn't be there, such as accounts you've paid off, late charges that were forgiven, or accounts that were sent to collections in error.

While creditors are quick to add negative information to your credit report, they don't go to the same lengths to correct errors or update information when your account status changes. Even worse, you may even find accounts that were set up in your name as a result of identity theft!

What do you do with this information? It's all you'll need to start working to fix your credit. Your right to an accurate credit report is protected by law under the Fair Credit Reporting Act (FCRA), and you are legally entitled to have inaccurate or untimely negative items removed from your credit report. If you dispute these items, asserting that they appear on your report in error, both the credit bureaus and creditors are obligated to verify the information. If they can't, under law they MUST remove these items from your report.

You don't have to be a victim of your bad credit. There's a legal way to do a credit clean up, and the sooner you start, the sooner you'll have the credit you deserve.

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