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Credit Reports
If you are ready to start reconstructing your credit, check your credit report first. Call, even better, write to the Credit Bureaus and ask to have removed any incorrect information from your report (they have to respond within 30 days to your complaint). The easiest way to get unwanted and false items removed is by calling the creditors who placed them there, and ask to have them removed. After the incorrect information from your credit report has been removed, you can start reconstructing your credit. The easiest way to start is with a line of credit or a revolving credit line (e.g.: a credit card) to prove your credit worthiness. Obtain one or two credit cards/credit lines for your personal use only. Don't have too many cards so that you are able to monitor your spending. Use these cards to buy everyday items, such as fuel and clothes, making sure that you do not overspend. By always paying on time, you can quickly rebuild your credit rating.
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