Don’t reckon yourself alone if you have found some blunders on your credit report, as majority of people have negative information on their credit report. No matter how damaging this information appears in your credit report, the good thing is that you can change and correct your credit report for the better.

Though it’s not surprising at all if some errors are found in your credit report, you must keep one thing in mind that these errors usually affect your credit negatively and sometimes you need to be pro-active in order to keep a positive credit score. If you find some false information and want them to change on your credit report, you can draw up letters to delete information from your credit report. Usually you need to send out three letters to the three major credit agencies. A large number of people make the mistake and try to call these agencies, but most of the time it doesn’t prove effective.

Before writing up your letter, you need to determine what sort of mistakes are there on your credit report, highlight these mistakes and write up about these specific issues.

Current and previous address, date of birth, place of employment and social security number, list of your charge accounts, monthly payment schedule, payment history, credit accounts and public record items details are some information that included in your credit report. Inquiries are also included in your credit report.

If you have received a copy of your credit report, now it’s time to review it thoroughly and highlight if you find false or incorrect information in it. If you have found something incorrect or false in your report, you can contact the credit agencies and let them know about it. But as I have mentioned earlier that it’s better to write a letter to them and ask for correction in you credit report. These agencies investigate the issue and provide you with written results of the investigation aside from a free updated copy of your credit report.

You must also include supporting documents with your letter and never forget to keep copies of all submitted documents. It may prove quite helpful if you keep all the records of interaction between you and the credit agencies.

If there is some error in your credit report, the credit bureau would correct it, but it decides after completing investigation that the negative notation would remain in your report, you can file explanation to refute the claim.

If you have succeeded to clean up your report with this false information, now you need to start adding positive credit information. A secured credit card can be used to rebuild your credit. You need to deposit money into a savings account to serve as collateral to obtain a secured credit card. Similarly, you need to make your payments on time.

You can also take a small secured loan and pay it back on time and it will also prove very helpful to rebuild credit. Usually prompt payments on loans help to build a strong credit record.