Step 3: Dispute the errors 第3步：爭端的錯誤

This can’t be emphasized enough! 這不能強調夠了！ (Can you tell why?) If you find anything at all that seems false to you; if you find any fraudulent accounts, or records that should have expired on your credit reports, you have every right to disagree and claim these errors. （你能告訴為什麼？ ）如果你發現任何東西，似乎給你假;如果您發現任何欺詐帳戶，或記錄，應該已經過期您的信用報告，您完全有權利不同意，並要求這些錯誤。 In order to do this, you will need to send a separate dispute letter to each of the credit bureaus that are keeping your account in order to correct your Equifax, Experian, and TransUnion records. 為了做到這一點，您將需要發送一個單獨的爭端給每一個信用局是使您的帳戶，以糾正你的Equifax ， Experian的，和TransUnion記錄。

Once your dispute is received by the collection agency, the credit bureaus will have 30 days in order to investigate and determine whether or not to make the change you have asked for. 一旦你的爭端是收到的收集機構，徵信機構將有30天的時間，以便調查並決定是否讓你改變要求。

Try not to dispute anything which is accurate. 盡量不要任何爭端是正確的。 Accurate information can’t be removed from your credit reports and it’sa waste of time to try to quarrel over these records as it won’t help you. 準確的信息不能從您的信用報告和這是浪費時間來爭論這些記錄，因為它不會幫你。 Disputing positive information might actually cause harm to your credit scores and could cause you to garner some fraud charges. 爭議的積極信息實際上可能會損害您的信用評分和可能導致你獲得一些詐騙案。

Step 4: Keep track of the positive 第4步：跟踪的積極

Just as when you discharge inaccuracies, you should also report anything which is positive. 正如當你放電不準確，你也應該報告什麼是積極的。 Since there aren’t any ways to remove negative information from your credit report, the best way for you to improve your score is to add as much new information as you can which is positive. 由於沒有任何方法以消除負面信息從您的信用報告，最好的方法來改善您的評分是添加了新的資料，你可以是積極的。

You can do this by opening up a new credit card account as stated in the round robin approach in a section above. 為此，您可以開闢一個新的信用卡帳戶中所說的循環賽辦法，一節以上。 Nevertheless, it won’t stop at that. 然而，它不會停止了。 You must also try to sign up for an online banking service that will let you keep a close eye on your accounts that you can print and dispute should you need to. 您還必須嘗試註冊一個網上銀行服務，讓您密切關注您的賬戶，您可以打印和爭端應該需要。 Online banking is a very sure method to keep a really good hold on all your information. 網上銀行是一個非常肯定的方法，以保持一個非常好的持有的所有信息。 You can also use online banking as a method to make instant payments to your creditors by adding them to your automatic payment plans. 您還可以使用網上銀行作為一種方法，使即時付款到您的債權人將其添加到您自動付款計劃。 This will ensure that all of your payments are carried out on time. 這將確保您的所有款項進行了時間。

Step 5: Monitor your progress 第5步：監控您的進展

It's simple to keep track of your credit score improvement as we now have a great deal of software that can do it for you. 這很簡單跟踪您的信用評分的改善，因為我們現在有大量的軟件，它可以給你。 Instead of just giving you infrequent access to your credit report and general email alerts, these new credit monitoring programs will give you such things as access to your credit reports and credit scores, identity theft and fraud, credit score monitoring, daily alerts, and much more. 而不是只給你經常訪問您的信用報告和一般電子郵件提醒，這些新的信貸監控程序會給你這種事情獲得您的信用報告和信用分數，身份盜竊和欺詐，信用評分監測，每日快訊，大部分更多。 You can also decide to go via an online credit monitoring service which will send all your information to your email inbox each day. 您也可以決定去通過在線信用監督服務，將您的所有信息，您的電子郵件收件匣每一天。

Once you sign up for a credit monitoring service, you might be able to track your credit score progress more closely. 一旦你申請一個信用監督服務，您可以跟踪您的信用評分的進展更加密切。 Your credit score should improve more regularly as you keep using your credit responsibly and add new positive information to your credit reports by yourself. 您的信用評分應該更經常地改善您繼續使用您的信用卡負責任和增添新的積極的信息，您的信用報告的自己。

More information on how to efficiently recover from bankruptcy: Credit Monitoring Services 更多信息，就如何有效地收回破產： 信用監測服務