If your credit isn't perfect, the best action you can take is to say, "I NEED HELP WITH MY CREDIT". With less than perfect credit the financial impact is substantial.
The first think you need to do is find out exactly what is on your credit report. By law you are entitled to a copy of your credit report from each of the credit bureaus every 12 months.
I recommend you start with one of the three repositories, Equifax, Transunion, or Experian. Go through line by line. Make sure all of the trade lines (each credit account) belongs to you! Many times there is mixed information with someone that has a similiar name.
Once you have identifed the errors, you should contact the creditor and advise them of the error.
DO NOT DISPUTE EVERY NEGATIVE TRADELINE ON YOUR CREDIT REPORT! This is not going to resolve the issue.
For more information, please give me a call.