First of all, credit report analysis is not the easiest thing to do. The first thing that I would do is to make copies of each of your credit reports. If you have not already done so, you can get your free annual credit report by going to…
If you’ve used a service where you can print them off of the internet, make sure that you have at least 2 copies. Put one copy of your credit report away and don’t touch it. Grab your yellow highlighter and one credit report at a time. Although each credit report has its own rating system, they are similar enough that we can figure out the positive listings from the negative listings from each of the credit reporting agencies, Equifax, TransUnion, and Experian.
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Anything which is listed as Paid As Agreed, we will leave alone. Paid As Agreed is a positive listing. Look for items which say charge offs, foreclosure, repossessions, collections and paid collections, settled accounts, bankruptcy and included in bankruptcy, as well as 30, 60, 90, or 120 day late payments. Also look for an item that says Too New To Rate. It shows up on my report as a negative listing (ouch). With the exception of Paid As Agreed, make sure you highlight each of the items mentioned above, one credit report at a time. A negative listing can be in the form of something on your credit report that does not belong to you. Check for duplicate items which and balances which may not be correct and make sure to highlight those listings.
According to the Fair Credit Reporting Act (FCRA), the information provider (ie the company that gave you your auto loan) as well as the consumer reporting company (ie Equifax) are required to correct incomplete or inaccurate information as it relates to your credit report. Make sure you go through each of the negative listings to determine if they are valid or if they do not belong on your credit report. Credit report analysis is now complete.
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Repair your credit score: If you happened to come across any errors and flaws in your credit score report it would be advisable to get it rectified from any credit rating report bureaus as quickly as possible. Regular updating your credits score may actually help you clear up your credit rating in a big way.
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