Credit Repair Tips. When you get your credit report look for items that are negative and review them to ensure that they are correct, if you find items that are incorrect on your credit history you can dispute them and if the credit bureau cannot prove the correctness of the disputed item they must remove it.
Check for late payments and call your or write to the lender associated with the late payment asking them to remove the late report from your credit report. It is essential that your account is in good standing and current if you are making this kind of request. Write a polite letter explaining that you sent the payment on time but that a postal delay out of your control caused the payment to arrive late and now that you are applying for a mortgage it would be really great if they could review your account and how it is reported to the credit bureau.
Check for charge offs and judgments. It is possible that something forgotten like an old cell phone bill for a few hundred dollars is having a dramatic effect on your credit score. If you find items like this arrange to have them paid off and as part of the payment negotiate the removal of the negative entry from your credit report. This one is one of the best credit repair tips.
