This can’t be emphasized enough! (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. 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.

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.

Try not to dispute anything which is accurate. Accurate information can’t be removed from your credit reports and it’s a waste of time to try to quarrel over these records as it won’t help you. Disputing positive information might actually cause harm to your credit scores and could cause you to garner some fraud charges.

Step 4: Keep track of the positive

Just as when you discharge inaccuracies, you should also report anything which is positive. 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.

You can do this by opening up a new credit card account as stated in the round robin approach in a section above. Nevertheless, it won’t stop at that. 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. Online banking is a very sure method to keep a really good hold on all your information. You can also use online banking as a method to make instant payments to your creditors by adding them to your automatic payment plans. This will ensure that all of your payments are carried out on time.

Step 5: Monitor your progress

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. 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. You can also decide to go via an online credit monitoring service which will send all your information to your email inbox each day.

Once you sign up for a credit monitoring service, you might be able to track your credit score progress more closely. 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.

More information on how to efficiently recover from bankruptcy: Credit Monitoring Services