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Summary: In order to improve a credit report, make sure the information is correct and start paying the debts with the smallest amounts first. Improve a credit report with tips from a financial consultant in this free video on credit cards and personal finance.
Carrie Kukuda has a business administration degree, and was branch manager of a community bank. Kukuda owns a consulting business for one-on-one credit education & budget/debt...read more
"Need some help with your credit report. Hi I'm Carrie Kukuda the Someday coach. And I'm going to give you some tips on how to improve your credit report. First you want to pull your credit report and you want to pull it from all the credit bureaus so that you know, each one of them isn't necessarily going to have all the information on there so you want to pull the major ones which are Transunion, Equifax, and Experion. And then you want to review it and make sure that all the information on there is correct. If there is some things that are incorrect, just get immediately get out there and dispute them. And how you do that is, is you send a letter to each and every one of the credit reporting agencies, bureaus that have it on there. So if it's not on one of the credit bureaus don't send them the letter. But if it's on two out of the three, or all three you know regardless, make sure you send each and every one of them a letter that does show it. And basically what they have is thirty days to get back to you on proof that it is you and it is your debt. If they don't do that, it will be deleted from your credit report. So those are some things that you need to do and if you are trying to improve it, you might want to start paying it while that whole process is going on, don't start, don't not start to start paying some down those debts. Start with your smallest and go to your largest and start paying cash. So that is my suggestion and my tips for the day again Carrie Kukuda, thank you."