Cleaning up a credit report can be time consuming. Of course you never find out about things on there until you are ready to get approved on financing for something. It always happens when you least expect it. Worst of all is that it could be a little bit embarrassing too. When your credit is pulled it is usually done from the top three reporting companies. When you look at it you will be able to contact each bureau and start asking about each account.
The first phone call should be to the credit bureau itself. Equifax is one of the three largest companies that handles these types of inquiries. You can bet that your creditor contacted them. To be able to work with them you will have to purchase a credit report from them. On the report it will tell you what accounts are putting a negative mark on it. You might get lucky and only have to deal with Equifax because many companies only work with them.
The next place to try would be at My Fico. They work with all three credit bureaus. When you decide to go with them you might have to pay a little bit more to do so as they are going to contact all of the accounts outstanding on your report and do the work for you. My Fico will get all the info needed for you to call your creditors and start closing out accounts. After the bills are paid, My Fico contacts the credit bureaus on your behalf with your closed account documents.
If you want to not only get your credit report cleaned up but have your accounts in question reduced to a lower balance or zeroed out completely then you should call Lexington Law. They are a law firm that knows the ins and outs of credit repair. The fees involved with working with them are higher than your other options but you might pay less in the long run with your debts. When all accounts are settled, they will forward the statements to the credit bureaus for you.
If you plan on cleaning up your credit report then take the time to start with the three companies above. They are all very good at what they do. The further down the list you go the more expensive it might be. With the end goal to clean up your credit it might sound costly now but paying higher rates on other things you want to buy might be costlier with bad credit.
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Tags: credit repair, credit report, equifax, lexington law, my fico