1. get your credt report from all 3 agencies for free ( 1 free report for free )
https://www.annualcreditreport.com/cra/order
2. any debt over years, dispute it directly on the 3 reports that you get
3. any debt over 2 years, dispute it, ask them to PROVE THAT YOU DO INFACT OWE THEM. it will be very hard for them to produce the original paper work...example:
2 years ago, you applied for a mastercard because you saw that shiney little booklet.So you filled it out and mailed it in. you got your credit card, activated t from a phone not registered in your name,went on a shopping spree, and said " hey fuck you im not paying it back!"...when you dispute that debt, they have to prove you owe it, and you can continue to dispute it. them saying you owe the debt isnt a valid argument.
4. if your score is a little low, get your famly member or a close friend (who has excellant credit ) to add you to their oldest card. have them call that card company and say" hey, i want another card for my little sister...and include her social security number with it!"
after that card arrives, cut it in half!
45 days later, your friends / family members score becomes your own!
ts called a TRADE LINE, AND YES IT WORKS.
Ive done this exactly 231 times for family and friends of family over the past 2 years...and worked like a dream.