- 1). Get your free current credit report online from AnnualCreditReport.com, the official site to obtain your credit report from all three of the nationwide credit-reporting agencies: Equifax, Experian, and TransUnion. Print each report and check them for errors. Nearly 80 percent of credit reports contain mistakes, according to a study conducted by the Public Interest Research Groups (PIRG). If you find errors, complete online dispute forms with each of the credit bureaus.
- 2). To add a positive credit account to your credit report, contact the creditor and request that your account be reported to each of the three credit bureaus. Give the creditor the credit bureau contact information and any supporting documentation.
- 3). Request that your positive credit account be added to your credit file with each of the three credit-reporting agencies. Always keep copies of your correspondence, and don't send original documentation.
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