What could hurt your credit score more than bankruptcy? If you don’t fix the small things, it could be hurting your score worse than any bankruptcy filing.

There are things on your credit report that stay on the report longer than a bankruptcy and could be hurting your credit. Cleaning up your report is the first step in trying to raising your FICO score. Seymour and Associates has some tips for helping you get your report looking better than ever.

First, clean up the multiple variations of your name. You should narrow it down to one name, your current legal name.

Second, multiple addresses should be cleaned up to only show your most current address. If you share the same address as someone before, this data could have been combined together and be reporting wrong on your credit.

Third, make sure you dispute anything that is not your debt. You can also dispute things such as the wrong amount showing or the incorrect date of your last activity on the account.

All the items above, can affect your credit in a negative way. It is important not only pull a credit report once a year to see who is reporting, but,  also to  clean up the areas that could cause more harm than any negative accounts, foreclosures and/or bankruptcies could be causing. Let Seymour find the right solution for you! Call us today for a free consult.

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