When fixing your credit score you need to build positive credit as well as remove negative marks. The easiest way to build positive credit is to pay your monthly bills on time.

This will help you build a positive payment history. This is almost as important as removing bad credit items from your credit report.

You are going to need to remove negative listings from your credit report too. This is accomplished by disputing inaccurate negative listings.

It is estimated that 1 in every 4 people have a negative item that is not accurate, and this is costing them money on higher interest rates. The responsibility of removing these marks fall upon you.

A divorce is a common source of inaccurate marks on an individual's credit report. When a divorcee is occurring the judge will divide the debts between the two parties.

Many times one party will neglect to pay their bills. However this will damage both parties' credit score.

Frequently the other party is not aware that the court ordered debt is not being paid, until it is too late. They were not responsible for this delinquency yet their credit will still be damaged. This is an example of an inaccurate mark.

Another common source is lender mistakes. People are human and will make mistakes, however you will pay the price.

It is not uncommon for monthly payment amounts to change on any credit line be it; student loans, credit cards, or whatever. However if you are not notified and continue to make your regular monthly payments your credit will be damaged.

This is because you are not making the correct payment amount. This is not your fault because you were never notified, but you will pay the price for it.

This is an inaccurate mark and should be removed when disputed. There are a number of reasons for your credit score to be damaged due to no fault of yours.

The Fair Credit Reporting Act was passed to help individuals that find themselves a victim of these situations. This law says credit bureaus must investigate a disputed listing.

The difficult part will be to get the bureaus to investigate a dispute. Frequently bureaus will respond to a dispute letter by requesting more information about the listing.

I suggest you be patient if you dispute these marks yourself. The other option is to hire a professional credit repair service. However you decide to do this, you can have negative marks removed from your credit report.

For more credit repair tips or to read an article about how to build credit visit us.