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Repairing Your Credit
Obviously, the first step to fixing up your credit report errors is to identify what the problem is.  Step one is obtaining a copy of their credit report and review it for accuracy.  Everyone is entitled to one free report per year from each of the three credit bureaus: Experian, Equifax and TransUnion. There are many ways to get the report but using an online service such as www.annualcreditreport.com is pretty easy.
When working on repairing your credit here are some things to look out for:
• Late payments- there should be no late payments over seven years old on the report.  This is important because 35% of a credit score is based on timely payments.
• Collections- the report shouldn't show any collections or charge-offs more than seven years old.
• Payment records- all paid-in full installment loans and all collections that have been paid in full or settled for less than the amount due should show a zero balance.  Some times collections are not updated after they've been paid or settled.
• Mysterious accounts- consumers should be able to recognize all accounts listed on  the report.  Incorrect accounts do sometimes appear, either by mistaken identity or by identity theft.
• Original dates- length of credit ... more

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