How To Improve Your Credit Score After Bankruptcy-Part 2

Review Your Reports Carefully 

1. Don’t just glance at the reports and look only for the obvious errors.
2. Check the names they have listed for you and make sure they are all correct. If a name listed was never used by you, dispute the listing.
3. Also, look at the addresses they claim you have lived at. If you didn’t live at any of the addresses listed, dispute that item.
4. Check each credit line and the creditor that claims your have an account with them. If you don’t have an account with them, dispute that listing. 
5. When you check a credit line make sure the amount is in the ballpark. It will never be exact, but if it is way off, dispute it.
6. Look for negative comments like “charge off,” “collection account” or “Past Due.” If this notation is not correct you should dispute it.
7. Look at your regular inquiries (hard pulls) and make sure you have applied for credit with each of these creditors. If you haven’t it may be illegal.
8. Look at the account reviews (soft pulls) on TransUnion and Equifax. You won’t be able to find them on Experian as them lump them in with promotional pulls. If you don’t have an account with a creditor who has done an account review it may be illegal.

For links where you can dispute inaccurate reporting or for more information you can visit our website, see us on Facebook or follow me on Twitter.