How to Add Positive Accounts to Your Credit Report
Adding a positive account to your credit report is a simple task that can improve your credit score. Your credit report is a reflection of your payment history, and when you've paid your debts responsibly, your efforts should be evident on your credit report and in your credit score. Most major creditors report payment history to the credit bureaus but smaller creditors often do not. Consider taking steps to take to report your positive credit account to the three primary credit-reporting agencies.
- Difficulty:
- Moderately Easy
Instructions
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Get your free current credit report online from AnnualCreditReport.com, the official site to obtain your credit report from all three of the nationwide credit-reporting agencies: Equifax, Experian, and TransUnion. Print each report and check them for errors. Nearly 80 percent of credit reports contain mistakes, according to a study conducted by the Public Interest Research Groups (PIRG). If you find errors, complete online dispute forms with each of the credit bureaus.
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To add a positive credit account to your credit report, contact the creditor and request that your account be reported to each of the three credit bureaus. Give the creditor the credit bureau contact information and any supporting documentation.
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Request that your positive credit account be added to your credit file with each of the three credit-reporting agencies. Always keep copies of your correspondence, and don't send original documentation.
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Tips & Warnings
Consider adding a consumer statement on your credit report to substantiate and further explain your positive account. The statement will remain on your credit report until you request its removal, and lenders could take your statement into account when granting credit.
Credit-reporting agencies are not required to add verifiable debts to your credit file. If they choose to add your account, it will likely cost you fees.
