For instance, you have to note if any of the bureaus have a negative item such as late credit card or loan payment which is false or a debt that doesn’t belong to you, has been listed.

All these can also help if there’s a case of identity theft, something which is so rampant these days.

Essentially, you’ll need to identify and list both the negative and positive items for each credit report according to “the most damaging”. Here’s a list of some of the items that may appear on your report starting with the most damaging:

• Bankruptcy
• Foreclosure
• Repossession
• Loan Default
• Court Judgments
• Collections
• Past due payments
• Late Payments
• Credit Rejections

Credit Inquiries

If any negative item is recorded against you, you should have been notified according to the  Fair Credit Reporting Act. The FCRA is an American federal law that regulates the collection, dissemination, and use of consumer credit information.

According to this law, any creditor that places a negative item against you should notify you. If that has not been followed, you can pressurize the creditor to remove that item reminding them of their violation of this law.

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