The first step in starting to repair your credit is to begin collecting the copies of credit reports from the various bureaus otherwise known as a CRA’s. After obtaining the three credit reports from Experian, Equifax, and Transunion start making evaluation of your financial position. You can dispute anything and everything that is negative but start with your personal information.
You will need to thoroughly review your reports. Each CRA (credit reporting agency) is it’s own entity and they do not do business together. Often times you will have variations of the same item on each report. Any item that is potentially negative should be disputed and the CRA. From here the bureau(s) check with the creditor to begin the investigation process.
It’s very imperative that you know what your report actually reflects. Next step is ‘Understanding how to read your report’.