File a dispute with the credit bureau and the business that provided the wrong data (like your bank).
These require a cash deposit that serves as your credit limit. They are much easier to get if you have poor credit and report to all three bureaus. clean-up-credit-history
Look for incorrect addresses, accounts that aren't yours, or late payments that you actually paid on time. 2. Dispute Inaccuracies File a dispute with the credit bureau and
If you're overwhelmed, consider a non-profit Consumer Credit Counseling Service (CCCS) which can help you set up a debt repayment plan. 5. Build New Positive History accounts that aren't yours
If you find a mistake, you have the right to dispute it. Credit bureaus must investigate and remove items they can't verify.
