Cleaning Up My Credit Report Myself

I have decided that I am going to take up the whole “cleaning up my credit” thing on my own. I am not going to consult our bankruptcy attorney or anything. I don’t think there is a need to. I have done a lot of research on cleaning up your credit after bankruptcy and I think, no as a matter of fact, I KNOW I can do it on my own.

I don’t have time to do it today because I have a HUGE deadline to meet for a writing client I have. I am so loving the fact that I can write on a subject I love. However, I have been writing about the same thing for a few hours now and I need to take a few minutes away from writing so I don’t start to sound too repetitious! lol

I got my FICO Score from myfico.com and just paid for my Equifax score. I didn’t pay for them all because I am not interested in all my credit scores right now. I also think Equifax is the leader, and to me their score is what I am going by–it let’s me know where I stand. When you get yourFICO score, you also get a copy of your Equifax credit report.

I then plan to get my free annual copy of my credit report from the other two credit reporting companies…Experian and TransUnion. Remember, you are entitled to one free credit report a year so if you haven’t checked yours…why not? It’s FREE! If you want your score though, you will have to pay for it. I have included the actual link to the “REAL” free annual credit report site–not one that will scam you! If you do decide to “google” free annual credit report on your own, make sure you get the official site, not one that will try to get your info and charge you for your reports.

Once I get my 2 other credit reports, I will compare all three and start doing my disputes. I am sure if Equifax is off, the others are wayyy off. I am pretty sure there will be some inaccuracies on both. I will dispute everything that is not correct and see just how “good” my credit can get after all the credit report cleaning up I am gonna do.