Fixing a credit report can be a long and tedious task for anybody to do. Most of the times you do not even find out about something being on your credit report until you are applying for a new home loan, car loan, or credit card. It always happens when you least expect it. It is not a lot of fun when you are sitting across the table from the finance person either. When your credit is pulled it is usually done from the top three reporting companies. When you look at it you will be able to contact each bureau and start asking about each account.

The first phone call should be to the credit bureau itself. Equifax is the biggest and most popular. There is a strong chance that if anything is showing it is with them. You will need to purchase a credit report from them. From there you will start going over the accounts in question. Your discrepancy might only be showing up with Equifax and it might be the only place you go.

The company that started the whole credit scoring system was My Fico. They work with all three credit bureaus. When you decide to go with them you might have to pay a little bit more to do so as they are going to contact all of the accounts outstanding on your report and do the work for you. My Fico will get all the info needed for you to call your creditors and start closing out accounts. After you pay the bill, My Fico will forward the info to Equifax, Experian, and Trans Union on your behalf.

If paying your outstanding bills in full is not going to work and you want them lowered then Lexington Law should be your next phone call. They are a law firm that knows the ins and outs of credit repair. The fees involved with working with them are higher than your other options but you might pay less in the long run with your debts. When all accounts are settled, they will forward the statements to the credit bureaus for you.

If you need to repair your credit then start with the three sources above. Each can tell you a lot about what you need to do. The further down the list you go the more expensive it might be. With the end goal to clean up your credit it might sound costly now but paying higher rates on other things you want to buy might be costlier with bad credit.