First of all, you need a recent copy of your credit report.
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And: Here's How to write to get Free Copy of Your Credit Report Once you request and receive the free copy of your credit report, you need to carefully review what is stated thereon. You will need to contact each creditor either by phone or in writing and try to set up a repayment schedule IF YOU AGREE YOU OWE THIS PARTICULAR DEBT.
If the debt has already been paid back, then you need to request that they immediately REMOVE their incorrect information from your credit report. If they agree, then wait one month and get another updated copy of your credit report and CHECK TO SEE IF THE INCORRECT INFORMATION HAS IN FACT BEEN REMOVED from your report. If not, you will need to contact them again. Always remember to ask to speak with a SUPERVISOR.
If you follow these steps, you can clear up your own credit yourself. Bankruptcies do remain for at least SEVEN YEARS on credit reports, so there is generally nothing you can do to remove a bankruptcy notation on your report, unless you have passed the SEVEN YEAR limit. If you filed bankruptcy, consult your attorney about your credit options.
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