When it comes to rebuilding credit the fastest way to increase your FICO score is to erase credit file errors that could be dragging your FICO score down.
You should also attempt to erase negative credit information from you report even it is factual.
Tips On Improving Credit Yourself In order to quickly clean up your credit report you must first know what is incorrect and negative on that report so you will need to secure a copy of it for review.
There are many places online where you can buy a copy of your credit report or you can buy them directly from the bureaus websites as well.
You can also use you annual free credit report that under federal law you are entitled to.
How To Clear Your Credit ReportOf Errors Once you have made a list of negative accounts arrange them so the oldest accounts are at the tops of your list.
The older accounts are going to be the easiest to get removed.
Next draft a credit dispute letter for the first two or three negative accounts and send them into the credit bureaus.
Only dispute two or three accounts at time or the bureaus may ignore your requests.
Upon receiving these letters the bureaus will contact the original account issuer and ask them to verify the information that they are reporting about you.
If they either do not or are unable to provide proof to the bureau then the information must be removed from your report.
If you can get enough of these accounts removed it will bump you up the credit score scale rather quickly.