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The starting point would be to get all three of your credit reports from each individual credit reporting agency. Do not settle for a trimerge report as they are not completely accurate.
After getting your reports, you have to study each and every negative tradeline and see if there are any erroneous information. If you find erroneous information, you would want to send a dispute letter to each CRA that has the erroneous info; disputing such information.
You should be able to clean your file, but it will take some patience and organization. You want to create paper trail, so make sure that moving forward you send all the letters to CRA's via Certified Return Receipt Requested.
As you are going along feel free to post and ask questions.
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