It is extremely important to have an accurate and up-to-date credit report. You can get these types of reports from the top three credit bureaus; Experian, TransUnion, and Equifax. Make sure you have a report number, so you can give it to the appropriate credit repair consulting company in order to fix any errors on your credit report.
Most of the time your credit report contains errors or inaccuracies that are affecting your credit score. Sometimes you could have accounts that aren’t even yours! Your report can also be displaying payments that aren’t being recorded by your bank or lender. It can also show accounts that were supposed to be paid off but are not showing that on your credit report. There are so many possibilities of inaccurate information that can be reflected in your credit report, that it is your responsibility to pull an up-to-date credit report to make sure everything is correct.
Be aware of agencies that claim to do credit repair services that can remove negative information from your credit report. Some agencies are very cheap and some charge hundreds and even thousands of dollars to do and not guarantee that it will get removed. So, do your research the agency first and find out how much it cost, the benefits, and guarantee’s that they offer.