Contact each of the three major credit bureaus - TransUnion, Equifax, and Experian - and get copies of your credit reports and credit scores.
Carefully read over the reports and note any errors. In writing, contact the credit bureaus and ask that mistakes be removed or investigated.
This is called a dispute letter and once it is received, credit bureaus have to investigate your dispute within thirty days of receiving your letter.
It is important to keep a copy of your letter and it is important to note the date the letter was sent. You should not be accusatory or abusive
in your letter - calmly and clearly state the problem and request an investigation.
Note that you are aware the agency is required to investigate the claim within thirty days and note that you will follow up.
Be sure that you do follow up with the issues you raised in your
letter - just because the agency investigates does not always mean that your credit report will end up error-free.
Many credit bureaus now make it possible for you to correct errors on your credit report online - and many have information on their web sites that tells you exactly how disputes must be handled to be effectively removed.
It is important that you follow this information exactly so that the inaccuracies on your credit report are removed promptly and your credit score is updated as soon as possible.
Here is also a free e book that has 101 ways to legally improve your credit score.
http://confidentlifestyle.com/Documents/fix%20credit.pdf
Here are the address for the three major credit reporting agencies.
Equifax Credit Information Services, Inc
Address: P.O. Box 740241
Atlanta, GA 30374
Telephone: 1_888_766_0008
Online: www.equifax.com
TransUnion LLC Consumer Disclosure Center
Address: P.O. Box 1000
Chester, PA 19022
Telephone: 1_800_888_4213
Online: www.tuc.com
Experian National Consumer Assistance Center
Address: PO Box 2002
Allen, TX 75013
Online: http://www.experian.com
Good luck and best wishes.