Are you are fed up with getting denied loans and other financing and are trying to figure out how to improve your credit report? Well it is not as hard as you think it is and the next few paragraphs will give you a basic overview of how to improve credit scores and achieve your goals.
How To Improve Your Credit Report First you must understand that boosting your FICO score should be a  approached by not only removing negative items from your report but also adding new trade lines and getting your current credit and open accounts squared away, it will also not happen overnight but a lot can be accomplished in 30-60 days.
First will need to know were you are financially every month, the absolute best way to determine this is to plan a budget.
It is a lot easier then it sounds, just write your total monthly expenses down and add them up.
Next write your monthly income down and subtract your bills from your income.
The left over amount is the money you have to save, pay extra towards your debt and spend.
Next get a copy of your most recent credit report and make a list of all the negative and false information, start with the oldest accounts and end with the newest.
Next you will need to write a credit dispute letter for the first two accounts and send those letters to the reporting bureau.
When they receive the letter they will get in contact with the original account provider and request that they verify the negative information about you.
If they do not do this in 30 days then the negative item will be taken off your report.
The last thing you need to do is to establish some positive credit.
You can do this easily with a secured credit card.
This card is backed up by a deposit of cash you make with the issuing bank.
If you fail to pay your payment or default they will take it out of the cash deposit.
As long as you do no abuse them these cards are an easy way to establish and secure positive reporting credit.