CREDIT REPAIR PRIORITIES

After correcting erroneous personal data, prioritize the data putting the most damaging information first, followed by the next most damaging, etc. Do this for each credit report. They may have different information on each one.

The following ordered list should give you an idea of the importance of damaging information:

1. personal data
2. bankruptcy
3. foreclosure
4. consumer credit counseling
5. loan default
6. repossess
7. court judgments
8. collections
9. past due payments
10. late payments
11. credit rejections
12. credit inquiries

You will find that some of the questionable information is duplicated on one or both the other credit reports. Sometimes, different people report the same information to the credit bureaus. Dispute all entries that do not have your current address first. It will make it easier to have other erroneous, misleading, or outdated information removed.

Send separate dispute letters for each questionable item to each of the three major credit reporting agencies, whether it appears on their report or not. This will ensure that the same information will not be removed from one report only to reappear later on another.

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