Trying to get better credit? Believe it or not, you might have to go back and correct some error that pops up. In order to understand what we mean though, you have to realize that there is a strong difference between incorrect information, and negative information that is absolutely correct. If you’re trying to get better credit, there’s nothing that you can do about the information that’s negative, yet correct.

However, if you have entries that aren’t correct whatsoever, it’s time to get them corrected. But where do you begin? If you’ve found the errors on your credit report, you have to realize that they are being reported to the credit reference agency (like Equifax) by the individual, creditors. So that’s the first place that you have to start. You don’t want to just jump to the credit reference agency and start making a complaint. Step back one level and look at the individual creditors that you probably turn to every day. It’s all about how they report your financial habits. Start the conversation casually. Far too often it’s a computer error that can be quickly changed. However, you might need to keep working on things in a different fashion. There’s nothing that’s stopping you from getting your credit report cleaned up appropriately. You just need to go through a few steps.

UK Credit Report

As we said earlier, start with the original creditor. Talk to them about why you feel the information is incorrect. Generally speaking, if something isn’t showing up properly, they will fix it for you. You might need to scan in some documents that really do prove that you have things under control. You will also have to prove that you’ve gotten them to make the changes with the credit reference agency. This is why it’s a good idea to have the entire correspondence done through the post rather than trying to conduct all of this on the phone. You probably don’t have recording equipment on hand that can capture both sides of the conversation. You’re going to have to get evidence, and doing everything through the mail is the best way to get it done.

You have to also think about whether or not you need to go to the credit reference agency at the end of the day or not. You might have to talk to them about the road ahead, but that doesn’t mean that it’s not worth looking into. You have to be ready to do whatever it takes to protect your credit. Everything else stems from your cried, so it’s not like you should just leave things to chance. You might think that a few errors on your report isn’t going to matter, but you are definitely mistaken. Your lenders will not be able to tell the difference between a computer error and correct (but negative) information. So you’re going to have to get things changing in the right direction in order to continue growing your credit. If you don’t dream of getting a house or a car then that’s fine. However, most consumers look forward to having these things, and getting credit is the best way to really make sure that you’re going to be able to get exactly what you’re looking for. That’s just the way it is.

Don’t forget that if you’re going to communicate through the post, you really need to make sure that you are paying for a return receipt to be sent to you. This means that your correspondence is going to be a little more expensive but that isn’t the end of the world. What matters right here and right now is getting your credit tended to in such a way where you don’t have to fight over it later. That’s all there really is to say about it.

Good luck with your challenge to maintain credit. Even though correcting errors on your credit report isn’t a fun topic, it’s a very important one that shouldn’t be overlooked. Check out the steps for yourself today!

By Jasmina