Clean Up Your Credit Report

Clean Up Your Credit Report

Did you know that just about everyone has mistakes on their credit report? How could that be you may ask?

The credit bureaus are in the business of selling the information creditors supply to them. They are NOT in the verification business. That means that any misreported, out dated, and even fraudulent information that is submitted to them lands onto your report and becomes part of the calculation of your credit score and thus your credit worthiness and rates you pay for credit, including your mortgage.

Since you are entitled by law to receive a free copy of your credit reports every year make pulling your actual report a part of your end or beginning of year routine. Just go to and download a copy of your report each credit bureau. You will need to download each one separately. Create a folder and save them by year. Review them for accuracy and request any misreported, out of date or fraudulent information to be removed. You can get some good templates for letters at It is absolutely not necessary to pay someone else to challenge incorrect information on your report. 

Don't wait until you are ready to apply for a mortgage to clean up your report. The process will take time and when you are ready to buy your home this could be a huge stumbliing block that could cost you money or even the home of your dreams as it slips away while to force the bureaus to clean up your reports.

If you know someone looking for a new home just click here: Get started today finding your new home.

Michael Johnson Headshot
Phone: 919-413-0495
Dated: December 13th 2017
Views: 313
About Michael: It has been my honor to serve my clients in the Triangle area since 1990. Considering each clien...

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