Dispute negative entries on your credit file!

Credit scores are based on a combination of things. When someone queries your credit, they want to verify how much credit you have obtainable as well as how much are you using. If your credit lines and cards are maxed out or near the edge, it will significantly reduce your score.

The first thing to improve your credit score is by using only about 30% of your available credit.
Make this a ground rule. If you have an old credit card you aren’t using, use it, but stay below the 30% and be punctual on all your repayments. If you can pay a card in full every month do that too.

In case you have an “unpleasant “mark” on your credit file, you have the right to dispute it and if the company responsible for the entry isn’t responding in time to the credit bureau, the entry will be erased.

Keep accurate and detailed records of your disputes and make sure everything is send by recorded mail. Do not dispute more then 1 item per letter you write. Send a letter for each negative entry. It can take some time to clean your credit file but it is well worth it. And it’s your legal right to be on top of your credit files.