Fixing a credit report can be a long and tedious task for anybody to do. Of course you never find out about things on there until you are ready to get approved on financing for something. Of course it could not come at a worse time for you as you are probably ready to buy. It is not a lot of fun when you are sitting across the table from the finance person either. Most companies will pull a merged credit report from the three major companies and each account in question will say where its being reported. Now you need to get to work to see what one of these companies can help you fix your credit.
The first phone call should be to the credit bureau itself. Equifax is the biggest and most popular. There is a strong chance that if anything is showing it is with them. You will need to purchase a credit report from them. From there you will start going over the accounts in question. You might get lucky and only have to deal with Equifax because many companies only work with them.
The next place to try would be at My Fico. They created the fico score and work with all three reporting companies. There will be a fee involved to work with them as they are going to handle all of your accounts for you. After obtaining the account numbers they will inform you of who you need to pay to close or cancel out an account. After the bills are paid, My Fico contacts the credit bureaus on your behalf with your closed account documents.
If paying your outstanding bills in full is not going to work and you want them lowered then Lexington Law should be your next phone call. They are a law firm that knows the ins and outs of credit repair. The fees involved with working with them are higher than your other options but you might pay less in the long run with your debts. After the balances are cleared they will inform the credit bureaus of the closed accounts and your credit report will reflect the changes.
If you plan on cleaning up your credit report then take the time to start with the three companies above. They are all very good at what they do. The further down the list you go the more expensive it might be. With the end goal to clean up your credit it might sound costly now but paying higher rates on other things you want to buy might be costlier with bad credit.
