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Step 1
Obtain all three credit reports. Different errors may be found on different credit reports, or sometimes the same error is found on all three. Consumers are allowed one free credit report a year from each credit reporting agency, so obtaining a credit report may be free if it's been a full year since you've requested one.
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Step 2
Recognize errors that are affecting the credit score. An error that seems like just a little thing could be affecting the credit score. Take note of the "Account Profile" column on the credit report. A negative or non-rated notation weakens credit. Begin fixing the credit report by disputing the inaccuracies of negative or non-rated listings.
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Step 3
Draft a separate letter to each credit bureau outlining the errors from the credit reports. Although a bureau may need to fix several inaccuracies it's important to list all of them in one letter, rather than send a separate letter for each disputed item.
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Step 4
Send the letter by certified mail. Sending a letter using certified mail provides proof that the credit bureau received it, and when.
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Step 5
Wait for a reply. Credit bureaus are required to reply after 30 days. The response will usually include a notification of change, removal or a notification that the debt has been verified by the creditor.
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Step 6
Request another credit report. A person who disputes items on his credit is entitled to a free credit report update. Often, items will be removed because creditors did not respond to the credit bureau within 30 days. Once you fix the mistakes on your credit report, your score should begin to improve.
