Fixing Your Credit ScoreYou should begin by getting copies of your credit reports (from AnnualCreditReport.com) and scores from all major Credit Reporting Agencies (http://www.bankrate.com/brm/news/credit-management/creditbureau-info.asp) and reviewing them for errors. Correct errors as early on as possible by communicating with the Credit Reporting Agencies and the Original Creditors, such as the credit card companies themselves.Info on Fixing incorrect items in your credit reportsYou have three different reports. This means that you could see different information on all three of them. You could have an error on one report, but not on the other. This is why you should get a copy of all 3. You will also need the reference number on the report when requesting changes or updates to fix errors.If you find an error, you should contact the company that produced the erroneous reported information, as the information is specific to that company. This is called a dispute. You can mail them a letter or call them directly. They will usually request up to 30 days to look into the issue.Document everything you send or recieve from these companies. You might need to forward copies of your documentation to the mortgage lender. It shows that you are contesting the erroneous information that is affecting your credit rates.Please remember, the credit-reporting companies are not governmental organizations, as many consumers believe, they are driven by profit and it's not necessarily in their interest to look after consumers.If you're previous efforts to correct errors have havn't been working - you can sue the company who has produced the incorrect information. If you can prove that certain information is false, and that the report has thus caused you financial harm, you could be entitled to damages (monies) paid by the company.November 07 2008 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.