Then check all items very carefully. You would be amazed at how credit bureaus are very lax in cleaning up outdated items. If an account is over 7 years old, ask them to dump it! (the exception is bankruptcy - that stays for 10 years). Also, don%26#039;t be afraid to challenge accounts you think may not be yours. The credit bureaus have to investigate all claims within 30 days and take action - i.e. verify or scrub. This happened to me recently over a cable bill I NEVER HAD (turns out a family member used my name to open an account - nice!). I challenged it and it got scrubbed from my credit report. Also, check your credit inquiries - any over 2 years old should be scrubbed. Other than that, if all debts are valid, just keep making those minimum monthly payments (more if you can afford it), and do not incur any more unecessary debt. It%26#039;s not a %26quot;quick fix%26quot; (nothing is - despite the claims of many credit counselling services) but be patient and you%26#039;ll start seeing results!
Other Answers (2)
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Do you mean a bank account? That will not, by itself, help your credit.
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