Things You'll Need:
- Telephone bill
- Electric bill
- Rent or lease bill
- Private loan bill
- Any contracts
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Step 1
Make sure to pay all bills on time. This is necessary in order to build a satisfactory, non-traditional credit history.
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Step 2
Gather all copies of bills that have been paid for the previous 12 months. These should include electric, telephone, rent, private loans, cell phones, payday loans, rent to own contracts and any other monthly payments that have been made. Also include any bills or loans that have been paid off.
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Step 3
Contact the 3 main credit reporting agencies by telephone or via the internet to ascertain their fax numbers and mailing addresses and request what their policy is regarding fax or mail. Depending on the individual company, copies of bills may have to be mailed directly to them.
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Step 4
If mailing, make a copy of the most recent statement for each of the bills. Write a cover letter addressed to each credit reporting agency requesting that they contact each vendor to verify the payments and to place the information on the credit report. If allowed by the credit reporting agency, this information can also be faxed.
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Step 5
Most times, the credit reporting agency will confirm to the consumer that the information has been verified. Request a copy of the updated credit report after this has been done. This can be done through each individual agency or any of the free credit report companies.
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Step 6
Check the credit report to make sure that the account has been verified. It should state the amount of time that the account has been open and the payment history. If payment is not satisfactory, it will show the number of times that late payments were made. If a set amount is paid each month, it will show the dollar amount.
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Step 7
Verify that the information is correct. If it is not, contact the credit report agency. Mail or fax the correct information and request that they correct the account. After they verify it, they will again confirm their findings to you.
