I have a copy of my credit report, now what?

Did you know that you are entitled to one free credit report each year from Equifax, Experian and TransUnion?

 

Yes you can get your free credit report online at annualcreditreport.com!

Many people receive copies of their credit report and have no idea of what to do next. I suggest you start by identifying the negative accounts on your credit report. Any account that is reported as a negative/ derogatory/ adverse account should be removed from your credit report. Negative account statuses are:

  1. 30 days past due
  2. 60 days past due
  3. 90 days past due
  4. 120 days past due
  5. 150 days past due
  6. 180 days past due
  7. Not more than two payments past due
  8. Not more than three payments past due
  9. Not more than four payments past due
  10. More than 120 days past due
  11. Collections
  12. Foreclosure
  13. Repossession
  14. Legal Repossession
  15. Voluntary Repossession
  16. Repossession; Redeemed
  17. Voluntary Surrender
  18. Derogatory
  19. Adverse
  20. Bad Debt, placed for collection
  21. Charge Off
  22. PAYING OR PAID ACCOUNT WITH THE ACCOUNT CHARGED OFF TO BAD DEBT OR COLLECTIONS
  23. SETTLED; PAID LESS THAN LEGALLY OWED
  24. Bankruptcy
  25. Judgment
  26. Lien

If any of these words appear on your credit report, text me at 646-894-7796 or call me at 866-241-3049 or use the contact form below.

 

Instagram @ms750fico

Twitter @ms750fico

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